Michael Sofia is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Merrill Lynch, Bank of America, and the Wilmington Country Club. He has also been involved with the University of Delaware and local community organizations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved planning tools.

Howard Grace is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 66 licenses and 38 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Grace is a managing partner of Grace Partners, a family investment partnership he established with his five children. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a broad range of advisory programs. The firm emphasizes structured financial planning using approved tools and investment insights, managing approximately $2.74 trillion in client assets.

Sarah Mazza is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation with eight years of industry experience. She has worked at Morgan Stanley since 2018 and was previously employed at Loyola University Maryland from 2014 to 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Christina Martinez is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation. Prior to joining Morgan Stanley in 2022, she worked at French Press Bakery and was involved with the Haverstraw Kings Daughters Public Library for several years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Christopher Degennaro is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC since 2016, and previously at J.P. Morgan Securities Inc. from 2002 to 2004. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Maria Vitale is a financial advisor at Morgan Stanley in New York, NY, with 20 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including comprehensive financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by proprietary tools and economic modeling.

Dolan Gregorich is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation and three years of industry experience. His prior roles include positions at JPMorgan Securities LLC and TP ICAP. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Christian Wennes is a financial advisor with Morgan Stanley in New York, NY, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Empower Retirement, Thorson Insurance, Twentieth Century Fox, and InnovateMr. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning arrangements.

Scott Zemachson is a financial advisor with Morgan Stanley in New York, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at J.P. Morgan Chase Bank and J.P. Morgan Securities LLC. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, serving clients through both direct and corporate financial planning arrangements.

David Fenning is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019, following a 15-year tenure at UBS Financial Services. Outside of his advisory role, Fenning is the owner of David S Walter LLC, a commercial real estate business based in Summit, NJ. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and investment advisory services supported by structured planning tools and a wide range of advisory programs.

Amy Wood is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 66 licenses and offering 27 years of industry experience. She has worked with various Morgan Stanley entities since 1998, including Morgan Stanley & Co., Inc., Morgan Stanley Smith Barney LLC, and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Rachel Gottlieb is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and previously worked for UBS Financial Services for 23 years before joining Morgan Stanley in 2025. Outside of her advisory role, she is the author of a book titled *Zac's Dollar Delimma*. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to support client outcomes.

Jessica Marshall is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 65 designations and bringing 44 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analyses.

Roosevelt Clairjour is a Certified Financial Planner (CFP®) with seven years of industry experience. He is currently affiliated with Morgan Stanley in New York, NY, having previously worked at J.P. Morgan Chase Bank and J.P. Morgan Securities. Outside of finance, he has been involved with Opus Dance Theatre & Community Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

William Gambrill is a financial advisor with Morgan Stanley in New York, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley since 2015, including his current role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured tools and models. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize client responsibility for implementation and ongoing updates.

Victoria Moran is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked at Morgan Stanley since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Robert Myers is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Morgan Stanley and its Private Bank since 2015, and previously held positions at Barclays Capital Inc. and Lehman Brothers Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs. The firm’s financial planning process utilizes structured discovery and firm-approved tools to create tailored plans, managing approximately $2.74 trillion in client assets.

Charles Natt is a CFP® and holds a Series 66 license with 24 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, currently working at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he serves on the finance committee of the United Synagogue of Hoboken. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and models. The firm manages trillions in client assets and offers services through both direct individual plans and corporate financial planning agreements.

David Pando is a financial advisor with Morgan Stanley in New York, NY, holding a Series 66 designation and three years of industry experience. He has been with Morgan Stanley since 2022, including his current role at Morgan Stanley Private Bank, N.A. Outside of his advisory role, he is involved as a partner in a real estate investment venture in Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Richard Griffiths is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 65 licenses and over 31 years of industry experience. He has worked at Morgan Stanley and its affiliated Private Bank since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.