Charles Krick, CFA
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(410) 295-5823(410) 295-5823
The Broad Street Group at Morgan Stanley
Direct:
(843) 727-7700(843) 727-7700
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
Our wealth management practice focuses on helping a select number of successful individuals who value trust, integrity and the ongoing care and advice that we consistently provide. It is through these meaningful relationships that we begin to develop a custom roadmap to help you efficiently preserve and transfer your wealth.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family – whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider virtually all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to helping achieve your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in various market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Access Digital VaultA FINANCIAL PLAN MADE FOR YOU
Our wealth management process at Morgan Stanley starts with you, your unique investment objectives, and your financial goals. Our holistic approach considers all aspects of your financial life to ensure they align with your goals and wealth management plan.
We understand that your goals may change over time, and your plan will evolve accordingly, adapting to the changing circumstances of your life. With the help of sophisticated analytic tools and the extensive resources of Morgan Stanley, we empower you to take control of your financial future and achieve your goals.
Below, you will find links to some of the tools we use to assist you in learning more about topics that impact your wealth. We invite you to visit these resources frequently to further your knowledge and understanding
We understand that your goals may change over time, and your plan will evolve accordingly, adapting to the changing circumstances of your life. With the help of sophisticated analytic tools and the extensive resources of Morgan Stanley, we empower you to take control of your financial future and achieve your goals.
Below, you will find links to some of the tools we use to assist you in learning more about topics that impact your wealth. We invite you to visit these resources frequently to further your knowledge and understanding
LifeView - Intelligent Planning
LifeView is a comprehensive suite of planning tools that we utilize to conduct in depth, goal-specific analysis for our clients. By taking into account all aspects of an individual's financial life, including investment and cash management needs, we can craft a realistic and integrated strategy. To initiate the process of creating a personalized strategy tailored to your long term goals, we invite you to complete the questionnaire and engage in a conversation with us.
Complete Questionnaire here
Goals Planning System
Morgan Stanley's Goals Planning System (GPS) is a cutting edge, integrated planning tool that harnesses the firm's extensive intellectual capital and capabilities. This intuitive and efficient platform allow us to swiftly evaluate whether a client is making profess towards their financial goals. Utilizing GPS, we can assess your financial trajectory and ensure that you are on track to achieve your desired outcomes.
Start Planning Now
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More HerePortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
Morgan Stanley offers a powerful spending and budgeting tool as a means of managing savings. This tool enables our advisors to efficiently monitor client cash flows across internal and external accounts, while also tracking spending patterns. By generating income and expense analyses, this tool empowers clients to make informed decisions about their spending behavior allowing for adjustments when necessary.
Start Using the Tool TodayFirm Resources
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
2023 Federal Tax Tables
This document outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2023 Tax Tables
2023 Maximum Benefit and Contribution Limits
Highlights the maximum benefit contribution limits from 2017-2023
View Limits Table
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Investment Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Latest Research from the Firm
Global Investment Committee Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read GIC Weekly Report
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Latest EpisodeLocation
410 Severn Ave
Bldg B Ste 211
Annapolis, MD 21403
US
Direct:
(843) 727-7700(843) 727-7700
410 Severn Avenue
Suite 211
Annapolis, MD 21403
US
Direct:
(410) 295-5823(410) 295-5823
Meet The Broad Street Group
Stephan D Zacharkiw, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director, CERTIFIED FINANCIAL PLANNER®
Phone:
(843) 727-7786(843) 727-7786
Phone:
(843) 727-7710(843) 727-7710
Miranda Bloomingburg
Financial Advisor
Phone:
(843) 727-7710(843) 727-7710
Scott Fried
Registered Client Service Associate
Phone:
(843) 727-7705(843) 727-7705
About Charles Krick
•Loyola University Maryland
BBA – Finance
•London Business School
MBA
•Chartered Financial Analyst®
•Series 7, 63 & 65 Licensed
•Life & Health Insurance Licensed
BBA – Finance
•London Business School
MBA
•Chartered Financial Analyst®
•Series 7, 63 & 65 Licensed
•Life & Health Insurance Licensed
Securities Agent: UT, OH, AL, VA, TX, MA, HI, DC, NJ, MT, MS, IL, WY, PA, NC, MI, FL, CA, WA, SC, IN, GA, AZ, MD, CO, WI, NY, NM, DE, AR, OR, NV, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1268293
NMLS#: 1268293
About Stephan D Zacharkiw
•University of Delaware
BS - Business Administration
•Georgetown University
Certificate in Financial Planning
•Certified Financial Planner®
•University of Chicago Booth School of Business
•Series 7, 31, 63 & 65 Licensed
•Life & Health Insurance Licensed
BS - Business Administration
•Georgetown University
Certificate in Financial Planning
•Certified Financial Planner®
•University of Chicago Booth School of Business
•Series 7, 31, 63 & 65 Licensed
•Life & Health Insurance Licensed
Securities Agent: HI, AL, AZ, GA, AR, RI, OH, NY, MO, ME, AK, NM, IL, WI, VA, MI, MD, FL, WY, UT, NC, MS, DE, DC, CT, WA, OR, MN, IN, SC, MA, CO, CA, TX, NJ, NE, TN, PA, NV, NH, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 1301097
NMLS#: 1301097
About Miranda Bloomingburg
• University of Texas at Austin
- BA Economics
• Series 7, 63 & 65 Licensed
• Life & Health Insurance Licensed
- BA Economics
• Series 7, 63 & 65 Licensed
• Life & Health Insurance Licensed
Securities Agent: WV, NH, MT, ME, KY, KS, DC, SC, OR, NY, MS, AZ, LA, NM, NJ, NE, MN, MD, CT, VT, AK, WI, OK, OH, NC, IN, IL, GA, CO, DE, NV, PA, RI, WY, WA, HI, AR, AL, CA, IA, ID, MI, UT, TN, VA, FL, MA, MO, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2575821
NMLS#: 2575821
About Miranda Bloomingburg
• University of Texas at Austin
- BA Economics
• Series 7, 63 & 65 Licensed
• Life & Health Insurance Licensed
- BA Economics
• Series 7, 63 & 65 Licensed
• Life & Health Insurance Licensed
Securities Agent: WI, UT, ID, KY, ME, NE, OR, SC, NV, WY, WV, WA, VT, VA, TX, TN, SD, RI, PR, PA, OK, OH, NY, NM, NJ, NH, ND, NC, MT, MS, MO, MN, MI, MD, MA, LA, KS, IN, IL, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
About Scott Fried
Education- Graduated in 1986 with a B.S. in Accounting from Brooklyn College
Professional- Equity Trader for over 30 years at DLJ, Cowen & BTIG, Past 3 years worked as a Private Client Service Associate at JP Morgan
Personal- Married over 30 years, 2 children 31,27. Moved to Charleston this year after living in NJ for over 30 years. Hobbies include Golf, Pickleball
Professional- Equity Trader for over 30 years at DLJ, Cowen & BTIG, Past 3 years worked as a Private Client Service Associate at JP Morgan
Personal- Married over 30 years, 2 children 31,27. Moved to Charleston this year after living in NJ for over 30 years. Hobbies include Golf, Pickleball
Contact Charles Krick
Contact Stephan D Zacharkiw
Contact Miranda Bloomingburg
Wealth Management
From Our Team
Michael Wilson: Monthly Investment Perspectives Webcast
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
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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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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Broad Street 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 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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)
