KPMG Solutions By The Carrier Group at Morgan Stanley

Drawing on over 16 years of wealth management experience, Charles Natt works closely with affluent families and individuals to craft highly customized wealth management plans. Charles also plays a key role in the team’s business development efforts.

A CERTIFIED FINANCIAL PLANNER™ (CFP^®), Charles joined Morgan Stanley in 2005. He had previously served as a Financial Advisor at Oppenheimer & Company for two years.

Charles graduated from the State University of New York in Albany with a degree in clinical psychology. He lives in Hoboken, New Jersey with his wife Karen, and two children, Ari and Isaac. He is an active member of his synagogue and the greater community.

A CERTIFIED FINANCIAL PLANNERTM (CFP^®), Adam Lang brings 15 years of experience to the service of the team’s clients. His primary focus is on wealth planning strategies across three planning verticals:
• Retirement strategies from cash flow optimization to structured solutions, including self-funded pensions
• Intergenerational wealth transfers that leverage insurance and trust vehicles
• Charitable giving strategies that seek to both help define a client’s legacy and enhance tax outcomes

Adam was named to the 2018- 2021 Forbes’ Top Next-Generation Wealth Advisors and in Best in State Wealth Advisors list in 2022. Prior to joining Morgan Stanley in 2007, Adam worked at both JPMorgan and Smith Barney.

Adam volunteers with iMentor, a nonprofit organization that seeks to empower high school students to raise and achieve their ambitions. In his free time, Adam enjoys spending time with his family, playing golf and traveling. He resides in Boca Raton, FL with his wife, Amy, and two children, Ryan and Emma.

2018-2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2018-2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.

Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.

As one of the few Advisors with permission to work with clients from European jurisdictions, Francesca Zavolta focuses primarily on serving nonresident clients on the U.S. platform. With over 20 years of institutional investing and private wealth experience, Francesca has a deep knowledge of the complex regulatory environment that impacts cross-border investors and is well prepared for the unique challenges of international clients from both cultural and wealth management perspectives.

Francesca started her career at JPMorgan in their Asset & Liability Group in New York. She moved to their Emerging Markets Derivative Group, and, finally, their Private Bank Special Clients Group. Prior to joining Morgan Stanley in 2013, Francesca worked at Lehman Brothers Private Investment Management Group and Barclays Wealth America.

Francesca received a B.S. in economics from the College of Charleston and a master’s in international business studies from the University of South Carolina, Columbia.

She lives in Manhattan with her husband, Stuart, and son, Giacomo.

Drawing on over 20 years of investment experience, William Gambrill works closely with the team’s ultra high net worth clients, both domestic and international. William focuses primarily on managing client relationships and new business development, and serves as the team specialist in insurance and lending.

William came to Morgan Stanley in 2015 after spending five years at Credit Suisse in the New York Private Banking office. Prior to Credit Suisse, William worked as an associate at Barclays Wealth, the successor firm to Lehman Brothers’ Private Investment Management business. William was named to On Wall Street's 2015 Top 40 Advisors Under 40 list

William graduated from Trinity College in 2001 with a Bachelor’s degree in history. He lives in Connecticut with his wife, Kaitlin, and four children: Lila, Jack, Cecily, and Rosie.

Jack Topham works to create and implement comprehensive wealth management solutions for highly accomplished individuals and their families. Serving as the primary contact for many relationships, Jack develops financial plans, customizes asset allocations and executes trades. He is also responsible for coordinating efforts with the other professionals, at Morgan Stanley and elsewhere, who play key roles in his clients’ financial lives.

Jack interned with The Carrier Group in 2014 while attending the Fordham University Gabelli School of Business. He joined the team full time in 2016 after graduating with a degree in applied accounting and finance with a concentration in alternative investments. In 2018 he was promoted to portfolio associate and, in 2020, to Financial Advisor.

In his free time, Jack volunteers with iMentor at a high school in the Bronx. iMentor matches students from lower-income neighborhoods with college-educated mentors to help them navigate their college journey. He also enjoys playing squash and attending live music events. Jack lives on the Upper East Side of Manhattan.

A member of The Carrier Group since 2011, Brian Malloy supports the team’s advisors and clients in the creation and implementation of highly customized investment strategies. His responsibilities include capital markets execution, portfolio analysis, performance attribution and investment idea generation. Working closely with Josef Najar, Brian co-manages the team's proprietary corporate credit and option overlay strategies. He also plays an integral role in serving the team's institutional clients, including research coverage and arranging for management introductions.

Brian began his financial services career working with Josef Najar and William Gambrill in the Private Bank at Credit Suisse in 2011. He moved with the group to Morgan Stanley in 2015. Brian received a B.B.A. in finance from Ramapo College of New Jersey.

Drawing on more than three decades of wealth management experience Norine Strazza contributes to an outstanding overall client service experience. Norine’s responsibilities include facilitating the opening of accounts, wire transfers and ensuring the operational end of the business runs flawlessly.

Norine began her financial career at Dean Witter Reynolds in 1980 as a receptionist. She quickly advanced through roles as wire operator, syndicate assistant and manager of the ACAT department before assuming her current position.

Norine is very active in volunteering with various charities.

Kevin Massa contributes to the team’s operational efforts, working to create an outstanding service experience for its clients. His responsibilities include the opening of accounts and handling of trades and transfers. Kevin joined Morgan Stanley in 2018 and has been a member of The Carrier Group since 2019.

Kevin graduated from Bryant University, where he was a four-year starter on the varsity lacrosse team and earned USILA First Team All-American honors. He stayed active in the sport, coaching youth lacrosse, and enjoys playing golf in his free time.

Working closely with the team’s advisors, Kate Hudson focuses on the daily operations of The Carrier Group and contributes to the delivery of an outstanding overall client service experience. Kate’s primary responsibilities involve performance reporting, alternative investments, and domestic and international account opening and maintenance. She also plays a key role in developing the team’s print and digital marketing materials.

Prior to joining The Carrier Group in 2021, Kate spent two years working as an associate for Morgan Stanley’s Virtual Engagement desk. The experience she gained has proven to be instrumental in assisting the team’s clients with the use of the firm’s online and mobile platforms.

Kate was born and raised in Charlotte, North Carolina and currently lives in Manhattan. She received a dual bachelor’s degree in economics and Chinese from Washington and Lee University in 2019. Outside of work, Kate enjoys reading, traveling, and spending time with her family and friends.