Nicholas Moretti, CRPC®
Senior Vice President, Financial Advisor
Phone:
(973) 425-8562(973) 425-8562
The Bernards Group at Morgan Stanley
Toll-Free:
(866) 274-3409(866) 274-3409
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
About Us
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We work one-on-one with our clients to develop a personalized, comprehensive plan to help them achieve their most important priorities and goals with the greatest amount of certainty. Cornerstone elements of our approach include:
• We utilize our decades of experience, combined with the intellectual capital of Morgan Stanley to develop personalized portfolios.
• We help to simplify complex situations and strategies.
• Our customization includes a focus on sustainable investing.
• We combine the global resources of Morgan Stanley with the intimacy of our one-on-one approach.
• Work with families to develop comprehensive legacy plans and manage family dynamics.
• We work closely with the other important professionals in your life, helping craft comprehensive and integrated strategies.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
• We help to simplify complex situations and strategies.
• Our customization includes a focus on sustainable investing.
• We combine the global resources of Morgan Stanley with the intimacy of our one-on-one approach.
• Work with families to develop comprehensive legacy plans and manage family dynamics.
• We work closely with the other important professionals in your life, helping craft comprehensive and integrated strategies.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
We have extensive experience working with corporate executives, particularly within the Pharmaceutical industry, helping them to potentially optimize their compensation by aligning with their life priorities and goals throughout their career phases.
Our primary areas of focus include:
Executive compensation, including restricted stock and options
Strategies for managing the potential risks of concentration in one security
Comprehensive planning strategies, including benefits optimization and transition planning
Coordinate strategically with network of tax, legal, banking, etc., advisors
We work with wealthy families, including business owners and professionals.
We believe that we are positioned to relate to wealthy families and work with them throughout their lives. We understand family dynamics and their impact on wealth management and goals-based planning. Our generational and gender diversity also provide us with insights and perspectives to help families identify and prioritize what is most important to them.
We help them:
- Preserve & Build wealth
- Maintain their lifestyle through life’s transitions
- Develop a meaningful and lasting legacy
Upcoming Firm Events
We hope you will join us for this upcoming event.
The Rise of the Humanoid Economy
DATE: June 30, 2025 at 12 p.m. ETThe Rise of the Humanoid Economy
AI is rapidly expanding its presence and the lines between mobile devices and robots are becoming more blurred. As AI gains physical abilities, how will industries and markets be transformed?
Join Wealth Management's Global Head of Thematic & Macro Investing Ellen Zentner for a fireside chat with Morgan Stanley's Head of Global Autos and Shared Mobility Research Adam Jonas for a conversation on the rapid transition of artificial intelligence into the physical world. This conversation will cover
- What is a humanoid robot and why is embodied AI rapidly advancing
- How the intersection of AI and the physical economy will change the way the world does business
- Which sectors and industries stand to benefit from this investment trend
- What this transformation means for investors and key portfolio considerations
Register now.
4582458
Online
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Toll-Free:
(866) 274-3409(866) 274-3409
Meet The Bernards Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor
Phone:
(973) 425-8528(973) 425-8528
First Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Portfolio Management Director
Phone:
(973) 425-2316(973) 425-2316
Ryan Conklin
Registered Client Service Associate, Financial Planning Associate
Phone:
(973) 660-4667(973) 660-4667
About Nicholas Moretti
Nicholas has more than 35 years of experience providing financial and wealth management advice and services. He has his undergraduate and MBA from the W. Paul Stillman School of Business at Seton Hall University. Prior to entering the wealth planning industry, he served as a Senior Officer and Vice President for one of NJ’s leading banks. He has continued his professional education earning the Chartered Retirement Planning CounselorSM (CRPC®) designation from the College for Financial Planning. He also has a degree in Financial Studies for Senior Bank Management from Fairfield University. He seeks to offer affluent clients the kind of honest, professional counsel and in-depth planning necessitated by complex challenges and opportunities facing today’s multi-generational families.
Nicholas also has many Civic Associations having served on different Boards of Trustees: the BEV Foundation, Aquinas Academy, St. Philomena’s Parish, the Marian Manor Corporation, the Executive Board of Livingston Soccer and Little Leagues. Nick and his wife Jean reside in Basking Ridge, NJ. They have two children and five grandchildren. Michael is a member of the team at Morgan Stanley*.
Nicholas also has many Civic Associations having served on different Boards of Trustees: the BEV Foundation, Aquinas Academy, St. Philomena’s Parish, the Marian Manor Corporation, the Executive Board of Livingston Soccer and Little Leagues. Nick and his wife Jean reside in Basking Ridge, NJ. They have two children and five grandchildren. Michael is a member of the team at Morgan Stanley*.
Securities Agent: CA, IA, MA, KY, IL, HI, CT, WA, NY, NJ, MO, AZ, WV, TX, DC, SC, RI, AK, TN, OK, NC, ME, ID, CO, VA, MT, DE, SD, NV, MI, PA, OH, MD, GA, FL, VT, UT, OR, NH, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1273061
NMLS#: 1273061
About Michael Nicholas Moretti
Michael joined Morgan Stanley* in 2009 as a registered Financial Advisor helping clients to develop objective-based investment strategies and asset allocation models. Prior to Morgan Stanley*, Michael worked for one of the leading publishing companies in the world, as a marketing manager covering six online properties. He graduated Phi Beta Kappa from Rutgers College in 2000 with a B.A. in English. He has continued his professional education earning the Certified Financial Planner™ (CFP®) designation in 2012 and Family Wealth Advisor and Alternative Investment Director designation in 2019. In 2015 and 2016, he was named to the Morgan Stanley Pacesetter’s Club and in 2019 he was named to the Morgan Stanley Master’s Club. Michael, his wife Deirdre, and their three children currently reside in Basking Ridge, NJ.
Securities Agent: AK, ID, DE, CT, WY, WV, TX, PA, ME, MD, FL, CO, AZ, WA, UT, OH, NH, MO, IA, NY, CA, MI, HI, DC, SD, NV, KY, IL, GA, SC, NC, VT, VA, RI, OK, MT, MA, TN, OR, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278697
NMLS#: 1278697
About Suzanne Balian
As a Morgan Stanley Financial Advisor, I am committed to helping my clients pursue their retirement goals and financial independence. For me, financial planning is not just about investment advice, it's about helping create a customized plan that evolves with my clients through all the different phases of their lives.
Retirement planning means helping you maintain the financial independence you've worked your whole life to achieve and striving to ensure that you have the resources to pursue what's most important to you. We'll work together to understand your unique goals, values, and circumstances. I will use that understanding to help create a personalized plan that includes everything that is important to you and your family.
My priority is to provide my clients with the tools they need to pursue financial security and stability. With this goal in mind, I have built a successful career dedicated to helping clients grow and preserve their assets, allowing them to spend more time pursuing the things that matter most.
My professional experience began at AT&T where I enjoyed a successful career of over 20 years. I currently volunteer with AT&T Pioneers as the President of the NJ Chapter 139. In 2004, I decided to pursue a career as a Financial Advisor at Merrill Lynch. I then made the transition to Morgan Stanley in 2008, where I have been working with clients for over 15 years.
Outside of the office I dedicate my time volunteering with Lulu Rescue and Rescue Ridge by fostering dogs and conducting pre-adoption home visits. I enjoy spending time at home in Millington NJ with my husband Ben and our rescue dogs. Our son Alex and his family live nearby in Bernardsville, so we get to spend plenty of quality time with our two grandsons, Benny and Chase.
RECOGNITIONS:
2019 NJBIZ Best 50 Women in Business
2013-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 3/13/23 - 9/29/23
2023 Award - 3/21/22 - 10/18/22
2022 Award - 4/12/21 - 10/15/21
2021 Award - 3/30/20 - 10/23/20
2020 Award - 3/1/19 - 10/16/19
2019 Award - 3/21/18 - 10/12/18
2018 Award - 2/21/17 - 10/12/17
2017 Award - 2/25/16 - 10/7/16
2016 Award - 4/15/15 - 10/16/15
2015 Award - 4/15/14 - 10/16/14
2014 Award - 4/15/13 - 10/16/13
2013 Award - 4/15/12 - 10/16/12
EDUCATION:
BA - Economics, Fordham University at Lincoln Center
MBA - Finance, Fordham University, Graduate School of Business
Disclosure:
2013 - 2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013 - 2023) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Retirement planning means helping you maintain the financial independence you've worked your whole life to achieve and striving to ensure that you have the resources to pursue what's most important to you. We'll work together to understand your unique goals, values, and circumstances. I will use that understanding to help create a personalized plan that includes everything that is important to you and your family.
My priority is to provide my clients with the tools they need to pursue financial security and stability. With this goal in mind, I have built a successful career dedicated to helping clients grow and preserve their assets, allowing them to spend more time pursuing the things that matter most.
My professional experience began at AT&T where I enjoyed a successful career of over 20 years. I currently volunteer with AT&T Pioneers as the President of the NJ Chapter 139. In 2004, I decided to pursue a career as a Financial Advisor at Merrill Lynch. I then made the transition to Morgan Stanley in 2008, where I have been working with clients for over 15 years.
Outside of the office I dedicate my time volunteering with Lulu Rescue and Rescue Ridge by fostering dogs and conducting pre-adoption home visits. I enjoy spending time at home in Millington NJ with my husband Ben and our rescue dogs. Our son Alex and his family live nearby in Bernardsville, so we get to spend plenty of quality time with our two grandsons, Benny and Chase.
RECOGNITIONS:
2019 NJBIZ Best 50 Women in Business
2013-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 3/13/23 - 9/29/23
2023 Award - 3/21/22 - 10/18/22
2022 Award - 4/12/21 - 10/15/21
2021 Award - 3/30/20 - 10/23/20
2020 Award - 3/1/19 - 10/16/19
2019 Award - 3/21/18 - 10/12/18
2018 Award - 2/21/17 - 10/12/17
2017 Award - 2/25/16 - 10/7/16
2016 Award - 4/15/15 - 10/16/15
2015 Award - 4/15/14 - 10/16/14
2014 Award - 4/15/13 - 10/16/13
2013 Award - 4/15/12 - 10/16/12
EDUCATION:
BA - Economics, Fordham University at Lincoln Center
MBA - Finance, Fordham University, Graduate School of Business
Disclosure:
2013 - 2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013 - 2023) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: GA, WI, PA, IA, AK, FL, WA, DE, OR, NC, MI, KY, CA, MA, IL, SC, SD, NH, ID, VA, UT, NV, TX, OH, NJ, CO, TN, NY, MO, ME, AZ, DC, MD, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1279143
NMLS#: 1279143
About Ryan Conklin
Ryan Conklin earned a Bachelor of Science in Business Administration from The College of Charleston then quickly began working for Merrill Lynch in his chosen career path as a Financial Operations Associate. His newly realized passion for client servicing led him to pursuing licensure and joining Morgan Stanley where he is now thriving in the wealth management and financial planning realm.
Continuously emulating Morgan Stanley’s standard, Ryan’s utmost goals are to ensure that his client’s best interests are being preserved and secured at all times, that their requests are listened to, and that details are not overlooked. As the resident technology guru, Ryan is the first point of contact for clients for whom he uses his operational expertise to make it easier for them to actively monitor the growth of their assets. When asked about his favorite aspect of the business, Ryan credits the swift efficiency of the team and their ability to execute timely on behalf of clients as a massive competitive advantage.
Ryan lives in Morristown, New Jersey in a cozy townhome with his family. As a Social Committee Member of the Madison Golf clubhouse, he spends his free time on the green and enjoys other outdoor activities such as biking, live music, and sporting events.
Continuously emulating Morgan Stanley’s standard, Ryan’s utmost goals are to ensure that his client’s best interests are being preserved and secured at all times, that their requests are listened to, and that details are not overlooked. As the resident technology guru, Ryan is the first point of contact for clients for whom he uses his operational expertise to make it easier for them to actively monitor the growth of their assets. When asked about his favorite aspect of the business, Ryan credits the swift efficiency of the team and their ability to execute timely on behalf of clients as a massive competitive advantage.
Ryan lives in Morristown, New Jersey in a cozy townhome with his family. As a Social Committee Member of the Madison Golf clubhouse, he spends his free time on the green and enjoys other outdoor activities such as biking, live music, and sporting events.
Contact Nicholas Moretti
Contact Michael Nicholas Moretti
Contact Suzanne Balian
Wealth Management
Global Investment Office
Portfolio Insights
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Ready to start a conversation? Contact The Bernards Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
