Kay Grasman, CFP®
Managing Director, Private Wealth Management, Financial Advisor, Portfolio Management Director, International Client Advisor
Phone:
(212) 649-8540(212) 649-8540
Industry Award WinnerOur Mission Statement
Our team is passionate about delivering a world-class investing, wealth planning, and service experience to our clients. Our promise is to deliver comprehensive wealth management solutions tailored to fit each client’s individual needs.
Our Team
We are a team of seasoned professionals who manage over $1.5 Billion (as of 1/2/2025) for a select clientele of families, family offices, and foundations. The team is led by Kay Grasman: Kay is a credentialed Morgan Stanley Family Wealth Director and Portfolio Manager, and holds the Certified Financial Planner® designation. Kay's European background has attuned her to the needs and concerns of foreign nationals living in the U.S. and U.S. citizens living abroad. We look forward to helping you and your family, and discussing the resources we can put at your service.
Clients
Cross Border Services for International Executives and Their Families:
Many of our clients are foreign nationals living in the US or US citizens living abroad. For these individuals, life can get very complicated.
Take the executive who earns income here but maintains bank and investment accounts in his native country. Or the business owner with facilities in Europe and the US, not to mention rental income from multiple properties in various countries. Or maybe the executive who works for a global corporation in the US but is having a yacht built in his homeland and is concerned about currency risk.
Team Mondial has developed a network of experienced attorneys and accountants well versed in the income and estate tax laws of various countries to assist clients with their estate and tax planning needs. We work with those professionals to implement a comprehensive wealth management plan that provides the guidance to address complex financial and life decisions.
Philosophy
Asset Allocation
• Our investment philosophy is in part derived from MS Model Portfolio Solutions which is a compilation of "best ideas" of each analyst. Our team's tactical asset allocation, potentially enhances long term performance by taking advantage of temporary asset dislocation . Our portfolios are personalized based on clients needs and can be allocated across equities, fixed income, alternatives, real estate and currencies
Strategy Selection
• We use a top down approach by looking at macro trends in the economy and then drilling down to individual names
• We use a stock selection approach, where we identify specific industries where we see consistent growth and select unique companies that have strong business models and give back to shareholders
• Dividend equities are an important component of our core holdings
Morgan Stanley Collaboration
• Morgan Stanley's extensive research division provides our team with equity and fix income recommendations which we can execute in the appropriate client portfolios
• As an adjunct to the MS research effort our group focuses on corporate events, such as balance sheet restructuring, consolidation in the industry spin-off, and merger and acquisitions
Disclaimers:
Not all products and services are available in all jurisdictions or countries
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
Asset Allocation and Diversification do not guarantee a profit or protect against loss in a declining financial market.
Clients
Cross Border Services for International Executives and Their Families:
Many of our clients are foreign nationals living in the US or US citizens living abroad. For these individuals, life can get very complicated.
Take the executive who earns income here but maintains bank and investment accounts in his native country. Or the business owner with facilities in Europe and the US, not to mention rental income from multiple properties in various countries. Or maybe the executive who works for a global corporation in the US but is having a yacht built in his homeland and is concerned about currency risk.
Team Mondial has developed a network of experienced attorneys and accountants well versed in the income and estate tax laws of various countries to assist clients with their estate and tax planning needs. We work with those professionals to implement a comprehensive wealth management plan that provides the guidance to address complex financial and life decisions.
Philosophy
Asset Allocation
• Our investment philosophy is in part derived from MS Model Portfolio Solutions which is a compilation of "best ideas" of each analyst. Our team's tactical asset allocation, potentially enhances long term performance by taking advantage of temporary asset dislocation . Our portfolios are personalized based on clients needs and can be allocated across equities, fixed income, alternatives, real estate and currencies
Strategy Selection
• We use a top down approach by looking at macro trends in the economy and then drilling down to individual names
• We use a stock selection approach, where we identify specific industries where we see consistent growth and select unique companies that have strong business models and give back to shareholders
• Dividend equities are an important component of our core holdings
Morgan Stanley Collaboration
• Morgan Stanley's extensive research division provides our team with equity and fix income recommendations which we can execute in the appropriate client portfolios
• As an adjunct to the MS research effort our group focuses on corporate events, such as balance sheet restructuring, consolidation in the industry spin-off, and merger and acquisitions
Disclaimers:
Not all products and services are available in all jurisdictions or countries
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
Asset Allocation and Diversification do not guarantee a profit or protect against loss in a declining financial market.
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 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- 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, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking 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.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
INTERNATIONAL WEALTH MANAGEMENT
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States. We also serve US citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
Single Family Office Capabilities and Considerations Placemat
Morgan Stanley International Client Advisors, support by our Single Office Advisory Group, deliver the specialized focus, experienced perspective and global resources to make and implement informed decisions.
Investments for International Clients
Investment decisions require taking into account investment factors, including but not limited to, beta. alpha, current interest rates, and economic cycle status. Moreover, the tax implication of the investments is a factor that has recently become an important consideration with regards to investment decisions.
Questions to Consider for Succession Planning for International Families
The very first stage of a successful succession plan is to understand the individuals, the assets, the wishes and the laws involved. An efficient strategy will arise from the analysis and coordination of all.
Succession Planning for Non-Resident Aliens (NRAs) with US Citizen and Resident Descendants
Non-resident aliens ("NRAs") of the United States with US beneficiaries may consider creating trusts as a part of their plan.
Client Resources
Private Wealth Management
With exceptional wealth comes exceptional complexity. Morgan Stanley Private Wealth Management combines the vast resources of a trusted global financial services firm with the individualized services of an investment boutique for a hands-on tailored approach to help families, foundations and individuals manage the multiple facets —and legacy—of their wealth.
Private Wealth Management Resources
On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read Here
Women Without Limits
Morgan Stanley is dedicated to helping women succeed in their careers. This is accomplished by creating smart financial plans, offering personalized advice, and providing access to all of Morgan Stanley's resources.
Access Useful Resources for Women
Women and Wealth
Women often have a more holistic vision for success and define it in very personal terms. In our experience, women investors often look beyond just meeting a performance benchmark and often want to align their financial goals with their personal and social priorities. Learn more about how we help our female clients.
Watch Here
Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth Financial Advisors and clients across a broad range of family wealth management issues. We are here to help you maximize all of Morgan Stanley's Family Office Resources. Learn more about FOR by watching this informational video.
Watch Here
Estate Planning
Having a conversation around one's estate and legacy is never easy. Our team will be with you every step of the way to analyze your estate structures so that your needs are efficiently and thoroughly addressed.
The Basics of Estate Planning
Estate & Gift Tax
Morgan Stanley Family Office Resources offers a differentiated value proposition to integrate comprehensive tax, estate, and financial planning strategies into your overall wealth plan. Please enjoy this educational video about the basics of estate and gift taxes.
Watch here
The Generation Skipping Transfer Tax (GST Tax)
The GST tax impacts high net worth individuals who wish to pass assets to the next generation. Our team can assist you in planning for the transfer of assets to the next generation and beyond. You can learn more about how this tax is used by watching this short educational video.
Watch Here
Philanthropy, Family Values & Your Wealth Plan
Your wealth management and family governance are intertwined. We are here to help you integrate your family values with how you manage your wealth.
Watch Here
Next Generation Education Video Series
Watch our Wealth Education Video series and learn more about three wealth topics that are important for the next generation of wealth.
Watch Here
Builing a Family Enterprise That Lasts
Successful family businesses establish a shared mission and succession plan to endure for generations to come.
Learn More
Preparing for the Transaction of Lifetime
Selling a business should be the reward for years of entrepreneurial savvy and hard work. Here’s how to help the process go smoothly.
Learn More
Exiting Your Business
As a business owner, you've devoted your career to building your company. Now is the time to plan for what comes next: spending more time with your family and pursuing new challenges.
Learn MoreLocation
55 East 52nd Street 10th
30th Fl
New York, NY 10055
US
Direct:
(212) 649-8540(212) 649-8540
Meet Team Mondial
Nicky Lo, CFA
First Vice President, Wealth Management, Financial Advisor
Phone:
(212) 903-7654(212) 903-7654
John Abbott, CFP®
Financial Advisor
Phone:
(212) 649-8503(212) 649-8503
LeAnn Yee
Group Director, Vice President, Private Wealth Management
Phone:
(212) 903-7764(212) 903-7764
Greg Chocko
Business Development Associate
Phone:
(212) 903-7726(212) 903-7726
Aine Cardello
Client Service Associate
Phone:
(212) 903-7727(212) 903-7727
Ty M. Fontaine
Registered Client Service Associate
Phone:
(212) 649-8539(212) 649-8539
About Kay Grasman
Born in Paris, Kay Grasman came to the U.S. in 2006 and joined a Morgan Stanley predecessor firm a year later. She focuses primarily on foreign nationals and U.S. citizens living abroad, both of whom face unique challenges ranging from taxation to currency issues. Kay also works closely with many woman executives who, like their male counterparts, have the acumen, but not necessarily the time, to manage their own investments and create their own comprehensive wealth management strategy.
Kay has a B.A. degree in economics and management from the Sorbonne and a Masters degree in international management and finance from the Institut Superieur de Gestion in Paris. She also holds the Certified Financial Planner™ designation and is a member of Morgan Stanley's Chairman's Club. She was named to Shook Research’s Working Mothers Top Wealth Advisors list in 2019, 2020 and 2021. She has also been named to Forbes' Top Women Wealth Advisors list in 2020, 2021 and 2023.
Kay lives in Manhattan with her husband and two children. She is an active member of the France/New York Council, the French Institute Alliance and several women’s organizations such as 100 Women in Finance and the High Water Women Foundation. She enjoys educating women and families on finance and investing.
2019-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2020, 2021, 2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020, 2021, 2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Kay has a B.A. degree in economics and management from the Sorbonne and a Masters degree in international management and finance from the Institut Superieur de Gestion in Paris. She also holds the Certified Financial Planner™ designation and is a member of Morgan Stanley's Chairman's Club. She was named to Shook Research’s Working Mothers Top Wealth Advisors list in 2019, 2020 and 2021. She has also been named to Forbes' Top Women Wealth Advisors list in 2020, 2021 and 2023.
Kay lives in Manhattan with her husband and two children. She is an active member of the France/New York Council, the French Institute Alliance and several women’s organizations such as 100 Women in Finance and the High Water Women Foundation. She enjoys educating women and families on finance and investing.
2019-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2020, 2021, 2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020, 2021, 2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
NMLS#: 1255441
About Nicky Lo
Nicky Lo brings 10 years of industry experience to a global clientele of affluent families and individuals. She works with clients in a number of areas including, Stock Options Trading, Stock Selection, Cash Management, Investment Management Tactical Asset Allocation, and Alternative Investments. Thanks to the trust her clients have placed in her and her colleagues at Team Mondial, the team was recognized as one of Forbes’ Best-In-State Wealth Management Teams in 2023.
Nicky graduated Summa Cum Laude from the Zicklin School of Business at Baruch majoring in Statistics and Quantitative Modeling with a minor in Mathematics. Along the way, Nicky earned her Chartered Financial Analyst™ (CFA®) designation as well as her Life/Health Insurance License. She was also named to Morgan Stanley's Pacesetter's Club.
Nicky currently lives in Long Island with her husband and children. On the weekends, she enjoys traveling, cooking, and playing badminton.
Forbes 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.
Nicky graduated Summa Cum Laude from the Zicklin School of Business at Baruch majoring in Statistics and Quantitative Modeling with a minor in Mathematics. Along the way, Nicky earned her Chartered Financial Analyst™ (CFA®) designation as well as her Life/Health Insurance License. She was also named to Morgan Stanley's Pacesetter's Club.
Nicky currently lives in Long Island with her husband and children. On the weekends, she enjoys traveling, cooking, and playing badminton.
Forbes 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.
Securities Agent: HI, VA, MN, IN, MI, SC, OH, NH, NC, DC, AL, VT, CA, NJ, UT, MA, LA, GA, DE, CT, AZ, ME, MD, WI, PA, NY, CO, IL, SD, TX, WA, FL, TN, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1839632
NMLS#: 1839632
About John Abbott
John is a Financial Advisor with Team Mondial, working closely with ultra-high net worth individuals and families both domestically and abroad. Combining his financial planning experience with his deep knowledge of Morgan Stanley resources, John delivers comprehensive, tailored solutions, ranging from asset allocation guidance to liability management to alternative investments.
John joined Morgan Stanley in October 2016 and Team Mondial in 2021, having served in various roles along the way.
John is a graduate of Drexel University where he earned a Bachelor of Science in Business Administration with concentrations in Finance and Entrepreneurship. He earned his Series 7 and 66 FINRA securities licenses and obtained his CFP® certification.
John resides in Philadelphia with his wife and splits his free time between tennis and golf.
Disclaimers:
Not all products and services are available in all jurisdictions or countries
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
John joined Morgan Stanley in October 2016 and Team Mondial in 2021, having served in various roles along the way.
John is a graduate of Drexel University where he earned a Bachelor of Science in Business Administration with concentrations in Finance and Entrepreneurship. He earned his Series 7 and 66 FINRA securities licenses and obtained his CFP® certification.
John resides in Philadelphia with his wife and splits his free time between tennis and golf.
Disclaimers:
Not all products and services are available in all jurisdictions or countries
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Securities Agent: MS, CA, WV, TX, ME, HI, GA, CT, AL, NJ, MT, DE, PR, PA, MD, LA, CO, WI, UT, SC, NY, WY, VT, SD, OH, NV, NH, NC, TN, MO, IL, OR, NM, MA, IN, IA, FL, AZ, AR, WA, VA, RI, MN, MI, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2590161
NMLS#: 2590161
About LeAnn Yee
LeAnn joined Team Mondial as Group Director in February 2024, where she is responsible for business management and strategy as well as operational and administrative management. Prior to Morgan Stanley, LeAnn spent seven years in wealth management at Hightower Advisors, where she enjoyed helping clients plan for and achieve their goals through financial planning as well as overseeing administrative services, client communications, and marketing.
She began her career in finance at Goldman Sachs in the Institutional Equities Division and continued her focus on Asian equities at Asia Equity and Kim Eng Securities. She expanded her focus to institutional fixed income while working at Trans-National Research/Freimark Balir, where she communicated macroeconomic and political research on emerging market countries and participated in emerging market bond trading.
LeAnn earned her Master of Management degree in finance and marketing from the Kellogg Graduate School of Management and her Bachelor of Science degree from the Massachusetts Institute of Technology. She holds her Series 7 and Series 66 licenses and is life and health insurance licensed.
LeAnn resides in Manhattan with her two children.
She began her career in finance at Goldman Sachs in the Institutional Equities Division and continued her focus on Asian equities at Asia Equity and Kim Eng Securities. She expanded her focus to institutional fixed income while working at Trans-National Research/Freimark Balir, where she communicated macroeconomic and political research on emerging market countries and participated in emerging market bond trading.
LeAnn earned her Master of Management degree in finance and marketing from the Kellogg Graduate School of Management and her Bachelor of Science degree from the Massachusetts Institute of Technology. She holds her Series 7 and Series 66 licenses and is life and health insurance licensed.
LeAnn resides in Manhattan with her two children.
About Greg Chocko
Greg is a Business Development Associate with Team Mondial. He rejoined the firm after three years at Goldman Sachs, where he served as a Financial Planner in the Partner Family Office, providing comprehensive planning solutions to senior executives and their families. Prior to that, Greg worked at Morgan Stanley as a Wealth Advisor Associate, focusing on financial planning and client relationship management. He holds his series 7, 65, and 63 licenses.
Originally from upstate New York, Greg earned a Bachelor of Science in Finance from the University of Tampa, where he was also a member of the Men’s Swim Team.
Outside of the office, Greg enjoys traveling and spending time outdoors skiing, biking, and surfing.
Originally from upstate New York, Greg earned a Bachelor of Science in Finance from the University of Tampa, where he was also a member of the Men’s Swim Team.
Outside of the office, Greg enjoys traveling and spending time outdoors skiing, biking, and surfing.
Securities Agent: MN, KY, TX, NC, RI, AR, NM, NY, NV, NH, WV, AZ, WA, VT, VA, SC, CT, PA, CA, DE, NJ, DC, MI, GA, MA, IN, MD, IL, HI, FL, CO, AL; General Securities Representative; Investment Advisor Representative
About Aine Cardello
Aine joined Morgan Stanley in October 2023 as a client service associate with Team Mondial. In that role, she prides herself on delivering exceptional service to clients and families.
Aine graduated Cum Laude from Marist College with a Bachelor of Science in business with a concentration in finance and consistently achieved Dean's List honors. She grew up in the town of Northport in Long Island and currently resides in Manhattan. In her free time, Aine enjoys spending time with her family, travelling, and cooking.
Aine graduated Cum Laude from Marist College with a Bachelor of Science in business with a concentration in finance and consistently achieved Dean's List honors. She grew up in the town of Northport in Long Island and currently resides in Manhattan. In her free time, Aine enjoys spending time with her family, travelling, and cooking.
About Ty M. Fontaine
Ty joined Morgan Stanley in 2022 as a dedicated Private Wealth Management Virtual Engagement Associate, where he worked with an elite group of Morgan Stanley financial advisors in expanding their digital marketing footprint and putting forth efforts to drive new business. He holds his Series 7, 63, and 66 licenses.
Ty graduated from The University of Colorado Boulder where he earned a Bachelor of Science in Business Administration with an emphasis in finance and a minor in Spanish.
Ty is an avid outdoorsman and enjoys spending time hunting and fly fishing. He can also be found practicing Spanish, traveling to new places, or hanging around family and friends. Ty resides in Manhattan and is originally from Littleton, Colorado.
Ty graduated from The University of Colorado Boulder where he earned a Bachelor of Science in Business Administration with an emphasis in finance and a minor in Spanish.
Ty is an avid outdoorsman and enjoys spending time hunting and fly fishing. He can also be found practicing Spanish, traveling to new places, or hanging around family and friends. Ty resides in Manhattan and is originally from Littleton, Colorado.
Contact Kay Grasman
Contact Nicky Lo
Contact John Abbott
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes America's Top Women Wealth Advisors
2020-2021, 2023-2025 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (Awarded 2020-2021, 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
3
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Charlotte Spatz
Private Banker
About Charlotte Spatz
Charlotte Spatz is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Charlotte began her career in financial services in 2015, and joined Morgan Stanley in 2016 as a Complex Administrator. Prior to being promoted to her current position, Charlotte served as an Associate Private Banker supporting Wealth Management offices in New York City and was a Regional Administrator before that. Before joining the firm, she was an Operations Associate at the Lebenthal & Co.
Charlotte is a graduate of the Marist College, where she received a Bachelor of Arts in Communication. She currently lives in Greenwich, Connecticut.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Charlotte began her career in financial services in 2015, and joined Morgan Stanley in 2016 as a Complex Administrator. Prior to being promoted to her current position, Charlotte served as an Associate Private Banker supporting Wealth Management offices in New York City and was a Regional Administrator before that. Before joining the firm, she was an Operations Associate at the Lebenthal & Co.
Charlotte is a graduate of the Marist College, where she received a Bachelor of Arts in Communication. She currently lives in Greenwich, Connecticut.
NMLS#: 2008389
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Private Wealth Management
Professional Insights
On the Markets
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
LISTEN | Passion Assets: Investing in Art
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
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.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
2Morgan 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
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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
Awards Disclosures | Morgan Stanley
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.
2Morgan 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
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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
Awards Disclosures | Morgan Stanley
CRC 4237142 (02/2025)
