Chadi A. Sahyoun

Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. I regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.

I take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.

I thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.

I take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.

Leading up to and through retirement, Cornerstone Capital helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.

This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.

Equity ownership is a powerful motivator. Streamline equity management through our leadingedge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

For your employees, retirement is more than a date in the future — it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit the needs of you and your employees. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

When business leaders are busy driving change for your company, finding time to navigate the complexity of their compensation can be challenging. Our dedicated team provides conciergelevel support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so your top talent can keep taking your company to new heights.

Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them — like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial wellbeing.

This essential program is available with every solution we provide. Through a powerful combination of education, digital tools, and guidance from our Financial Advisors, our offering is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

Our Global Investment Committee (GIC), a highly regarded group of individuals dedicated to supporting the interactions between Financial Advisors and their clients, generates thought leadership on investing themes around the world. The GIC consists of senior professionals and noted authorities from within and outside of our firm, who guide Morgan Stanley's market outlook, maintains the firm's model portfolios, and provide advice on asset allocation and opportunistic investments for dozens of asset classes.

Our manager analysis professionals analyze and vet more than 2,300 investment strategies from approximately 400 investment management firms, our Global Investment Manager Analysis Group ("GIMA") is one of the most rigorous money manager analysis teams in the industry today and considered a significant strength to our organization.

Morgan Stanley's Consulting Group, the investment advisory arm of Morgan Stanley Wealth Management, has a long tradition of serving clients, from the individual investor to larger institutions, providing each with investment consulting advice and services. Through our attention to client objectives, we have earned a distinguished reputation as a leading provider on investment advisory services. Our investment programs are designed to help your clients build their wealth, while creating lasting legacies for their families, and our forward-looking advisory products and services are supported by industry leading analysis, asset allocation advice and innovation.

Our Financial Advisors have access to a sophisticated suite of tools to create a realistic, comprehensive strategy that integrates the various aspects of a client's financial life, including investments and cash management needs. A Morgan Stanley Financial Advisor can work with your clients to: Define financial goals, such as retirement, education, major purchases, or creating a legacy for heirs. Review your client's current financial situation, including net worth, income, investments and asset allocation and Design a customized strategy to help your clients achieve their financial goals.

Your clients will have access to a suite of professionally managed programs, which may include among other things, mutual funds and exchange traded funds, equities, fixed income and select option strategies. With the client's objectives in mind, the Financial Advisor leverages global resources of Morgan Stanley to determine appropriate investments to implement based on the client's personal strategy and investment objectives

The Morgan Stanley Alternative Investments Group offers an array of proprietary and third-party alternative investment strategies to complement traditional investment portfolios. Alternative Investments are offered only to qualified investors. Client's eligibility to purchase alternative investments is typically based on the clients net worth.