Marc Karetsky | Sylvia Gort | New York, NY | Morgan Stanley Private Wealth Management

Welcome

As Morgan Stanley Private Wealth Advisors, we combine our own talents and experience with the vast resources of a global financial services firm to address the planning, governance, liability management and investing needs of ultra high net worth families, their businesses and philanthropic enterprises. We take a holistic approach that is grounded in investment strategy, but covers virtually every aspect of your financial life: risk management, liabilities, trusts and estate structures and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.We look forward to learning more about you and your family, and discussing the resources we can place at your disposal.

Capabilities

Comprehensive Wealth Planning
Investment Management
Risk Management
Manager Selection
Retirement & Pension Plans
Philanthropy Management
Consolidated Reporting
Hedging Strategies
10b5-(1) Programs
Sustainable & Responsible Investing^Footnote1
Family Governance & Wealth Education
Corporate Stock Plans

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

About PWM

Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:

Manage investments with an unwavering focus on your financial strategy and personal goals
Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
Simplify financial complexity to help you achieve clarity and control

Private Wealth Management Highlights

Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
Over $1.2 trillion in AUM
Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families

¹ Morgan Stanley Wealth Management, September 2025

Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.

Family Wealth Services

Our team takes a family office approach to your wealth. We get involved and quarterback each financial decision and advise on anything with a dollar sign associated. We can help you with all areas of your financial life regardless of the complexity. Our job is to keep your financial life organized and remove you from the day-to-day management of your finances. Morgan Stanley has over 90 years of experience in managing the wealth for the wealthiest families in the world and we utilize our in-house experts to provide guidance when needed.

Forming Your Financial Team

Create a strategic plan for achieving your financial goals & objectives
Align you with CPAs and Estate Attorneys within our network
Connect you with the best resources at Morgan Stanley – estate planning, philanthropy, and lending experts

Investment Management

Create a portfolio and allocation that aligns with your financial objectives
Focus on tax-efficient investment solutions: direct indexing, tax-free munis, exchange funds, etc.
Access to private investments such as private equity, private credit, venture, and real estate

Diversification Strategies for Founders & Executives

Implement and execute 10b5-1 plan for corporate executives
Create a multi-year diversification strategy to achieve financial flexibility
Utilize exchange funds and DAFs to reduce or eliminate taxable gains
QSBS stacking – gifting founders shares to other entities

Tax Planning

Coordinate with your CPA to discuss tax impacts when applicable
Send your CPA quarterly income and cap gains summary
Strategies to reduce estate tax impact

Risk Management

Property, casualty, and umbrella insurance to protect your estate against litigation
Anonymity strategies to protect you and your family identity
LLCs for real estate assets

Banking Capabilities

Provide traditional banking services: debit card, check writing, AMEX Platinum, online banking
Access to lending solutions: traditional mortgages, refinances, and lines of credit
Direct access to my team for support instead of calling a service center

Family Office Support

Comprehensive reporting: balance sheet summary, investment performance, and tax analysis
Coordinate with your CPA and estate planning attorney
Guidance on best practices for setting up a family office or hiring a family office employee

Family Governance & Wealth Education

Strategy discussions regarding the distribution of your estate to your beneficiaries
Guidance and best practices as around how and when to discuss the wealth with your kids
Financial education curriculum with our family governance team

Philanthropic Planning

Create a philanthropic mission statement
Provide best practices and guidance when making grants or commitments to charities
Determine which non-profits align with your mission

For Ultra-High Net Worth Investors

Trust Planning

Among the available tools for protecting and transferring assets, trusts may be the most misunderstood. Put simply, a trust can be a flexible and effective way for families to solve their financial issues and manage many types of challenges involving how to transfer assets and wealth to help ensure a lasting legacy.

Planning Your Legacy

Intergenerational Wealth Planning

Highly skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.

Addressing Your Challenges

Financial Literacy

Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.

Financial Literacy for Any Stage of Your Life

Donor Advised Funds (DAF)

A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).

MS GIFT

Signature Access

A broad range of specialty services are available to enrich and enhance the health, safety, comfort, and interests of affluent families, from private aviation, personal security, art advisory, and household staffing, to private health advisory services and advisory services for single family offices.

Our Offering

Private Equity

Investments in private equity have seen rapid growth as an asset class over the last few years, especially with newfound uncertainty among traditional investments in the years ahead. By accessing privately held companies, our alternatives team can tap into the potential growth of startups, private middle-market corporations, and more with the aim of delivering alternate sources of long-term capital appreciation.

Learn More About Alternatives

Private Markets

Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.

Morgan Stanley Private Markets

Alternative Lending

Using highly-automated models and expansive datasets, alternative lending platforms can rapidly underwrite borrower credit risk.

Borrowers may access credit in a more streamlined fashion as compared to the traditional lending process, often on terms more attractive than otherwise would be available.

Loan investors may access attractive credit risk premia historically captured by banks, while diversifying their portfolio fixed income and credit exposures.

Innovation in Lending

Impact Investing

How can investors gain insight into the impact of their investment portfolios? Our Morgan Stanley Impact Quotient tool distills complex data and tailors analysis to you.

Morgan Stanley IQ

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

Equity Solutions

Equity ownership is a powerful motivator. Streamline equity management through our leading-edge 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.

• Equity Administration and Financial Reporting
• Liquidity Events
• 409A Valuation Services and Cap Table Management

Learn more

Retirement

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.

• Defined Contribution Consulting
• Solutions-Oriented Plans
• Fiduciary Investment Oversight

Learn more

Deferred Compensation

Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. 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.

Services include:

Recordkeeping and Plan Design
Portfolio Construction
Wealth Management Services

Learn more

Executive Services

Our dedicated team provides concierge-level 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 helping them navigate their complex financial needs with greater confidence and certainty:

Equity Compensation Services
Equity Award Analysis
Specialized Solutions

Learn more

Saving and Giving

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 well-being.

College Savings
Student Loan Repayment and Refinancing
Charitable Giving

Learn more

Financial Wellness

We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness 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.

• Financial Education
• Digital Tools
• Financial Guidance

Learn more

Location

1585 Broadway

21st Floor

New York

,

NY 10036

Private Wealth Management Registered Associate

Phone:

(212) 761-1009(212) 761-1009

View My Bio

About Marc Karetsky

(212) 761-5020   Direct
(917) 924-0837   Mobile
(917) 338-0429   Fax
Marc.Karetsky@Morganstanleypwm.com

Marc Karetsky is a Managing Director, Family Wealth Director, Private Wealth Advisor and Portfolio Manager in the Private Wealth Management division at Morgan Stanley. With over 30 years of experience in investment advisory, Marc and his team work with high-net-worth individuals, families, charitable organizations, and corporations to develop comprehensive strategies to help build, manage, preserve, and transition wealth. As of December 2025, the team advises on over $3 billion in invested assets. Marc has consistently appeared on Forbes' Best-In-State Wealth Advisors list (2018-2025) and named to the 2023 -2026 Forbes Best-In-State Wealth Management Teams. He was also honored as a Barron's Top 1,200 Financial Advisor in 2021 and 2023. A graduate of Tulane University, Marc furthered his financial education at the Wharton School of Business at the University of Pennsylvania, earning the Certified Investment Management Analyst (CIMA) designation.

At Morgan Stanley, Marc serves on the Private Wealth Advisory Council. He is a past Vice Chairman of the Men's Division of the Albert Einstein College of Medicine and serves on the Executive Committee and Board of Trustees of Temple Israel of the City of New York. He is an active member of the Yale University and Lehigh University Parents Associations and has been a long-standing member of the New York Stock Exchange Hearing Review Board. Additionally, Marc mentors a high school student through the Student Sponsor Partners program.

Marc lives in New York City with his wife, Melissa, an entrepreneur. Their two sons, born in New York City, are now pursuing careers in entertainment and finance in Los Angeles.

Named to the 2023 -2026 Forbes Best-In-State Wealth Management Teams Ranking Forbes America’s Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22. Awards Disclosures

"2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award."

"2021, 2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2021, 2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award."

Securities Agent: CT, WY, WA, PA, MD, FL, VT, UT, SD, LA, ID, IA, GA, WV, SC, PR, NM, MO, KS, IN, DE, CO, TX, ND, MA, WI, VI, TN, MT, OR, NV, MS, AK, OH, MN, ME, AR, OK, NH, NE, MI, KY, CA, AZ, AL, VA, NC, RI, NY, NJ, IL, DC, HI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1443758

About Sylvia Gort

(404) 846-1303   Direct
(404) 693-4980   Mobile
(917) 338-0429   Fax
Sylvia.Gort@Morganstanleypwm.com

With over 35 years of experience in private and commercial banking, Sylvia contributes to the creation of comprehensive wealth management plans for the team’s clients, with a particular focus on their cash management, lending and trust needs.

Sylvia joined Morgan Stanley in 2015 from Barclays Wealth (formerly Lehman Brothers Private Investment Management). She had joined Lehman Brothers in 2003 from Bank of America’s Private Bank, where she had been a Senior Vice President and had an extensive lending career. Sylvia worked for eleven years in the bank’s Commercial Construction Real Estate Group. She also managed the Georgia lending unit for NationsBank, where she ran a lending portfolio.

Sylvia earned a B.B.A. from University of Georgia and her MBA from Georgia State University. She is on the board of the Atlanta chapter of the American Jewish Committee, co-chair of Women in Wealth Atlanta chapter and a member of Morgan Stanley’s National Diversity & Inclusion Council. Sylvia resides in Atlanta.

Securities Agent: VA, SD, RI, ND, SC, NJ, NE, DE, WA, VI, TN, NM, NC, IA, GA, DC, WI, NH, MI, MA, LA, KY, CO, WY, WV, OH, NY, OK, MO, CT, AL, PR, MN, IN, PA, NV, MT, ME, MD, CA, AR, AK, UT, TX, OR, KS, ID, MS, IL, FL, AZ, HI, VT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1428676

About Dexter Jarach

Dexter has been at Morgan Stanley his entire career and joined the Karetsky Gort Group as an analyst in 2023. Prior to joining the team, he went through the firm’s Wealth Management Rotational Analyst Program, where he spent time in the Risk division and the Market Research and Strategy group within the Global Investment Office.

As a Private Wealth Advisor on the team, Dexter focuses on business development and relationship management, alternative and private market investments, capital markets analysis, and tailored portfolio construction.

Prior to joining Morgan Stanley, Dexter received his B.S. in Finance from the A. B. Freeman School of Business at Tulane University. He is registered with FINRA and holds the Series 7, 63, and 65 licenses.

Dexter lives in Hoboken and enjoys playing guitar, cooking, and spending quality time with friends and family.

Securities Agent: WI, MS, PR, OR, NJ, ME, MD, LA, HI, FL, DE, AR, VA, SC, KY, NY, MO, MA, AL, RI, NH, NE, ND, GA, DC, AK, WV, KS, IN, IL, ID, IA, CO, CA, AZ, WY, WA, VT, UT, SD, PA, OK, NM, MI, OH, TX, TN, NV, MT, MN, CT, VI, NC; General Securities Representative; Investment Advisor Representative

About Matthew J Tortoso

Matthew works directly with our Team's clients to develop, implement and maintain comprehensive wealth management plans based on specific needs and aspirations. Matthew joined the Morgan Stanley Private Wealth Management division in September of 2008.

Previously, Matthew spent five years with Lehman Brothers. In 2007, Matthew joined the Lehman Brothers Private Wealth Management Division. Matthew spent 2003 – 2006, working directly with the Private Equity division; focusing on the CDO Fund, European Mezzanine Debt Fund and the Real Estate Fund I & II.

Prior to 2003, Matthew spent a combined 5 years at PricewaterhouseCoopers (PWC) specializing in Private Equity, Odyssey Investment Partners and The Blackstone Group; focusing on, financial control, investor relations, business assurance and tax.

Matthew received his B.S. in Public Accounting from Fordham University in the Bronx, N.Y.

In 2019, Matthew Joined the Po cantico Hills Fire Department as Volunteer Fireman. Matthew graduated from the New York State Fire Academy in 2021.

Matthew currently lives in Westchester County, N.Y. with his wife, Briana, and their children John Carlo and Mia.

Matthew is an avid skier.

Securities Agent: AK, WI, VA, UT, SD, PA, OH, NM, NH, DE, CO, HI, DC, AL, WY, NV, MO, MA, KS, IN, CA, VT, NY, LA, ID, CT, TX, OK, MS, MI, ME, RI, MD, IL, IA, FL, SC, NE, WV, PR, OR, ND, MT, GA, AR, VI, WA, TN, NJ, NC, MN, KY, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1285017

About Dexter Jarach

Dexter joined the Karetsky Gort Wealth Management Group as a Private Wealth Management Team Associate and has since transitioned into a Private Wealth Advisor Associate role. Prior to joining the team, he went through Morgan Stanley’s Wealth Management Rotational Analyst Program, where he spent time in Operational Risk and the Market Research and Strategy group within the Global Investment Office.

In his current role, Dexter focuses on client acquisition strategy, relationship management, and capital markets analysis.

Prior to joining Morgan Stanley, Dexter received his B.S. in Finance from the A. B. Freeman School of Business at Tulane University. He FINRA registered and holds the Series 7, 63, and 65 licenses.

Dexter lives in Manhattan and enjoys playing guitar, cooking, and spending time with friends and family

Securities Agent: WI, MS, PR, OR, NJ, ME, MD, LA, HI, FL, DE, AR, VA, SC, KY, NY, MO, MA, AL, RI, NH, NE, ND, GA, DC, AK, WV, KS, IN, IL, ID, IA, CO, CA, AZ, WY, WA, VT, UT, SD, PA, OK, NM, MI, OH, TX, TN, NV, MT, MN, CT, VI, NC; General Securities Representative; Investment Advisor Representative

About Adam Bennett

Adam joined the Karetsky Gort Wealth Management Group as a Client Service Associate in January 2018. Prior to joining the team, Adam worked for the Morgan Stanley Private Wealth Management in the New York Complex for 10 years as a Service Associate where he supported Management and Private Wealth Advisors.

In his current role, Adam’s primary responsibilities include trading execution, portfolio analysis, asset allocation, and investment performance. Additionally, he conducts research and due diligence on potential investments and alternative investment analysis.

Adam graduated from Northwestern University with an undergraduate degree in Communications. Adam is registered with FINRA and holds both the Series 7 and Series 66 licenses. Adam currently lives in Brooklyn, New York.

About Nicole Guerrero

Nicole joined the Karetsky Gort Wealth Management Group as a Business Development Associate in January 2019. Prior to joining the team, she worked for the Morgan Stanley Northeast Region as a Regional Client Engagement Associate where she supported Management and Financial Advisers in their business development and modern wealth management practices.

In her current role, Nicole’s primary responsibilities include helping lead the team’s digital strategies, marketing, as well as business development initiatives.

Nicole graduated from Siena College with an undergraduate degree in Finance with a concentration in Business Administration. She is registered with FINRA and holds both the Series 7 and Series 66 licenses.

Nicole is the Co-Chair of the Women in Wealth NYC Chapter, an active member of the Women’s Business Alliance group at Morgan Stanley, and participates in various volunteer activities. She lives in Manhattan with her husband Joseph, their son Bryce and daughter Briseis.

Securities Agent: MA, MS, VA, SC, KY, NY, MO, AL, OH, RI, NH, NE, ND, GA, DC, AK, WV, WI, KS, IN, IL, ID, IA, CO, CA, AZ, WY, WA, VT, UT, SD, PA, OK, NM, MI, PR, OR, NJ, ME, MD, LA, HI, FL, DE, AR, TX, TN, NV, MT, MN, CT, VI, NC; General Securities Representative; Investment Advisor Representative

About Katie Miller

Katie recently joined the Karetsky Gort Wealth Management Group as a Private Wealth Management Registered Client Service Associate. Prior to joining the team, Katie spent two years as a Registered Client Service Associate in the Morgan Stanley Wealth Management Atlanta Office.

In her current role, her primary responsibilities include account maintenance, cash management services, and administrative support to the team.

Prior to joining Morgan Stanley, Katie received her B.S. in Economics from Santa Clara University. She holds FINRA Series 7 and Series 66 licenses. In her spare time, Katie enjoys running, playing pickleball and spending time with family and friends.

Hear From Our Clients

The Karetsky Gort Team have been instrumental in my financial planning for many years. Their focus on effective communication, strategic asset allocation and proactive decision making has been critical in helping me to plan for my retirement and for my family’s future. I value their counsel very much as well as the support of their highly professional team members. My wife and I feel very fortunate to work with this outstanding group of advisors.

Mike

Verified Client

July 27, 2026

Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.

5285589 3/2026

Awards and Recognition

Barron's Top 1,200 Financial Advisors: State-by-State

2021, 2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2021, 2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.

Wealth Management

Global Investment Office

Portfolio Insights

Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your larger financial picture – today and tomorrow.

Vesting events
Option expirations
Restricted stock units
Tax implications

Private Wealth Management Podcast

Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:

Intergenerational Planning
Philanthropic Giving
Non-Traditional Assets
Managing Family Wealth

Learn More

Listen | The Pyramid of Giving: When to Say Yes. How to Say No.

You can support the people and causes you care about, while also turning down requests when you feel you have done enough. Tune in for tips and hear from Katherine Lorenz, President of the Cynthia and George Mitchell Foundation, who shares her story.

Managing Significant Wealth

Investment Management
Wealth Transfer & Philanthropy
Cash Management & Lending
Family Governance & Wealth Education
Lifestyle Advisory
Business Services

Learn More

PWM Leadership Insights & Outcomes

Bringing Private Wealth Management leadership perspectives directly to you on the forces shaping wealth today, from cross-border complexity to AI for family offices and more.

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.

Learn More

Larry Fitzgerald Jr.'s Playbook on Leadership and Values

The renowned NFL wide receiver shares insights on aligning your investments with your values.

Wealth Management for Athletes and Entertainers

Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.

Investment Management
Wealth Transfer & Philanthropy
Private Banking Solutions
Family Governance & Wealth Education
Lifestyle Advisory

Learn More

You are your Own CEO: Build a Dream Team for Your Career

Assembling a team of trusted professionals to manage your career?and your money?is essential to help best position you to thrive. Here?s how.

We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.

Market Information Delayed 20 Minutes

¹Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

Back to top

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.

Asset Allocation does not assure a profit or protect against loss in declining financial markets.

The securities/instruments, investments and investment strategies discussed on this website 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 may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.

Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

See the Financial Advisors Biographies for Registration and Licensing information.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.

Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.

Private Bankers are employees of Morgan Stanley Private Bank, National Association.

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.

Awards Disclosures | Morgan Stanley

CRC 4677197 (7/2025)

Marc Karetsky | Sylvia Gort

Our Mission Statement

Welcome

About PWM

Family Wealth Services

For Ultra-High Net Worth Investors

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Location

Meet Marc Karetsky | Sylvia Gort

Marc Karetsky, CIMA®

Sylvia Gort

Dexter Jarach

Matthew J Tortoso

Dexter Jarach

Adam Bennett

Nicole Guerrero

Katie Miller

About Marc Karetsky

About Sylvia Gort

About Dexter Jarach

About Matthew J Tortoso

About Dexter Jarach

About Adam Bennett

About Nicole Guerrero

About Katie Miller

Hear From Our Clients

Awards and Recognition

Portfolio Insights

Equity Compensation

Private Wealth Management Podcast

Listen | The Pyramid of Giving: When to Say Yes. How to Say No.

Managing Significant Wealth

PWM Leadership Insights & Outcomes

Insights and Outcomes

Larry Fitzgerald Jr.'s Playbook on Leadership and Values

Wealth Management for Athletes and Entertainers

You are your Own CEO: Build a Dream Team for Your Career