William Gambrill
Executive Director, Financial Advisor, Family Wealth Director, International Client Advisor
Phone:
(212) 883-8506(212) 883-8506
Morgan Stanley Private Wealth Management
The Carrier Group
Direct:
(212) 649-8611(212) 649-8611
Our Mission Statement
Customizing coverage to your needs, we craft comprehensive plans to pursue your objectives and provide clear and transparent reports on your progress
The Carrier Group
We are a dedicated team of experienced investing and planning professionals who work with a highly accomplished group of families, individuals, and a small number of institutions. Our clients tend to have complex balance sheets that call for integrated solutions across multiple wealth management disciplines. To address those needs, we customize virtually every aspect of each relationship, not only crafting personalized investment strategies but also assembling a coverage team based on their specific requirements. Combining our talents with the vast global resources of Morgan Stanley, we can then provide access to whatever capabilities are needed to help our clients clearly define and strategically pursue their goals.
Should you choose to work with us, our team strives to bring clarity and control to your financial life. We will go to great lengths to understand your needs and preferences, and report on your progress toward your goals with uncommon transparency and detail. We will coordinate our efforts with your tax and legal advisors to deliver cohesive solutions to address your financial priorities. We will help you make well-informed decisions and put them into action.
We look forward to discussing the goals you have established for yourself and your family and how we can help you reach them.
Should you choose to work with us, our team strives to bring clarity and control to your financial life. We will go to great lengths to understand your needs and preferences, and report on your progress toward your goals with uncommon transparency and detail. We will coordinate our efforts with your tax and legal advisors to deliver cohesive solutions to address your financial priorities. We will help you make well-informed decisions and put them into action.
We look forward to discussing the goals you have established for yourself and your family and how we can help you reach them.
Capabilities
- Corporate Services
- Investment Management
- Comprehensive Wealth Planning
- Pre-Liquidity Planning
- 10b5-(1) Programs
- Retirement & Pension Plans
- Family Governance & Wealth Education
- Risk Management
- Hedging Strategies
- Philanthropy Management
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Our Approach
Step 1: Discovery
We begin with an uncommonly detailed discovery process, seeking to gain an in-depth understanding of your current financial situation, greater life goals, and your past behavioral tendencies toward investing. We learn about your assets, liabilities and risk exposures; review trust and estate plans; discuss plans for your business and/or career and explore any other issues that impact your financial life.
Deliverables include:
- A detailed discovery/in-take document used to identify the client’s financial resources, liabilities, risk mitigants (insurance, estate plans, etc), and behavioral biases
-A review of the data provided through the discovery document with the aim of highlighting the clear priorities
Deliverables include:
- A detailed discovery/in-take document used to identify the client’s financial resources, liabilities, risk mitigants (insurance, estate plans, etc), and behavioral biases
-A review of the data provided through the discovery document with the aim of highlighting the clear priorities
Step 2: Coverage Customization
Working to help you create and implement a truly comprehensive wealth plan, we assemble a team of professionals appropriate to support your needs. Led by your Private Wealth Advisor, this team may include professionals from across Morgan Stanley’s wealth management and institutional divisions, as well your attorney, CPA and other advisors.
Deliverables Include:
-Introduction to additional team members and firm resources needed to help address the clear priorities and behavioral biases
-Proposed solution(s) for the client mandate with all details including designation of team member coverage, timeline, products/services involved, and fees
Deliverables Include:
-Introduction to additional team members and firm resources needed to help address the clear priorities and behavioral biases
-Proposed solution(s) for the client mandate with all details including designation of team member coverage, timeline, products/services involved, and fees
Step 3: Reporting & Review
Working to deliver full transparency, we provide clear and detailed reports on the performance of your investment portfolios and the progress of your financial plans. These reports are part of a larger review process to help ensure that your strategy adapts to changing financial and family needs.
Deliverables Include:
-On-demand performance reporting access provided via our App and online tool
-Quarterly performance reporting and live review meeting
Deliverables Include:
-On-demand performance reporting access provided via our App and online tool
-Quarterly performance reporting and live review meeting
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 649-8611(212) 649-8611
Meet The Carrier Group
Charles Natt, CFP®
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Family Wealth Director
Phone:
(212) 649-8618(212) 649-8618
Phone:
(212) 903-7729(212) 903-7729
Jack Topham
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(212) 649-8611(212) 649-8611
Brendan Cefalu
Registered Associate
Phone:
(212) 883-8511(212) 883-8511
Kevin Massa
Registered Associate
Phone:
(212) 883-8589(212) 883-8589
Nadia Persaud, CFP®
Registered Associate
Phone:
(212) 503-2370(212) 503-2370
Billy Roddy
Portfolio Management Associate
Phone:
(212) 883-8513(212) 883-8513
About William Gambrill
Drawing on over 20 years of investment experience, William Gambrill works closely with the team’s ultra high net worth clients, both domestic and international. William focuses primarily on managing client relationships and new business development, and serves as the team specialist in insurance and lending.
William came to Morgan Stanley in 2015 after spending five years at Credit Suisse in the New York Private Banking office. Prior to Credit Suisse, William worked as an associate at Barclays Wealth, the successor firm to Lehman Brothers’ Private Investment Management business. William was named to On Wall Street's 2015 Top 40 Advisors Under 40 list
William graduated from Trinity College in 2001 with a Bachelor’s degree in history. He lives in Connecticut with his wife, Kaitlin, and four children: Lila, Jack, Cecily, and Rosie.
William came to Morgan Stanley in 2015 after spending five years at Credit Suisse in the New York Private Banking office. Prior to Credit Suisse, William worked as an associate at Barclays Wealth, the successor firm to Lehman Brothers’ Private Investment Management business. William was named to On Wall Street's 2015 Top 40 Advisors Under 40 list
William graduated from Trinity College in 2001 with a Bachelor’s degree in history. He lives in Connecticut with his wife, Kaitlin, and four children: Lila, Jack, Cecily, and Rosie.
Securities Agent: VT, WY, WV, WI, WA, VI, VA, UT, TX, TN, SD, SC, PR, PA, OR, OH, NY, NV, NJ, NH, NE, ND, NC, MT, MS, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, MO, DC, CT, CO, CA, AZ, AR, AL, NM, AK, RI, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1528183
NMLS#: 1528183
About Charles Natt
Drawing on over two decades of wealth management experience, Charles Natt works closely with affluent families and individuals to craft highly customized wealth management plans and focuses on tax mitigation and estate planning. Charles also plays a key role in the team’s business development efforts.
A CERTIFIED FINANCIAL PLANNER™ (CFP®) and Family Wealth Director, Charles joined Morgan Stanley in 2005. He had previously served as a Financial Advisor at two other firms.
Charles graduated from the State University of New York in Albany with a degree in clinical psychology. He lives in Hoboken, New Jersey with his wife Karen, and two children, Ari and Isaac. He is an active member of his synagogue and the greater community.
A CERTIFIED FINANCIAL PLANNER™ (CFP®) and Family Wealth Director, Charles joined Morgan Stanley in 2005. He had previously served as a Financial Advisor at two other firms.
Charles graduated from the State University of New York in Albany with a degree in clinical psychology. He lives in Hoboken, New Jersey with his wife Karen, and two children, Ari and Isaac. He is an active member of his synagogue and the greater community.
Securities Agent: WI, WV, WY, PR, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278587
NMLS#: 1278587
About Adam Lang
A CERTIFIED FINANCIAL PLANNERTM (CFP®), Adam Lang brings 15 years of experience to the service of the team’s clients. His primary focus is on wealth planning strategies across three planning verticals:
• Retirement strategies from cash flow optimization to structured solutions, including self-funded pensions
• Intergenerational wealth transfers that leverage insurance and trust vehicles
• Charitable giving strategies that seek to both help define a client’s legacy and enhance tax outcomes
Prior to joining Morgan Stanley in 2007, Adam worked at both JPMorgan and Smith Barney.
Adam volunteers with iMentor, a nonprofit organization that seeks to empower high school students to raise and achieve their ambitions. In his free time, Adam enjoys spending time with his family, playing golf and traveling. He resides in Boca Raton, FL with his wife, Amy, and two children, Ryan and Emma.
• Retirement strategies from cash flow optimization to structured solutions, including self-funded pensions
• Intergenerational wealth transfers that leverage insurance and trust vehicles
• Charitable giving strategies that seek to both help define a client’s legacy and enhance tax outcomes
Prior to joining Morgan Stanley in 2007, Adam worked at both JPMorgan and Smith Barney.
Adam volunteers with iMentor, a nonprofit organization that seeks to empower high school students to raise and achieve their ambitions. In his free time, Adam enjoys spending time with his family, playing golf and traveling. He resides in Boca Raton, FL with his wife, Amy, and two children, Ryan and Emma.
Securities Agent: SD, DE, GA, SC, MT, NJ, CA, HI, WI, MD, NE, MS, NY, MI, MA, WY, VT, AL, ME, KY, OK, MN, VI, NC, MO, ND, AR, CO, FL, IN, KS, PR, VA, IA, PA, TN, DC, UT, WA, OH, NV, RI, WV, NM, AK, TX, OR, ID, NH, AZ, IL, CT, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288152
NMLS#: 1288152
About Jack Topham
Jack Topham works to create and implement comprehensive wealth management solutions for highly accomplished individuals and their families. Serving as the primary contact for many relationships, Jack develops financial plans, customizes asset allocations and executes trades. He is also responsible for coordinating efforts with the other professionals, at Morgan Stanley and elsewhere, who play key roles in his clients’ financial lives.
Jack interned with The Carrier Group in 2014 while attending the Fordham University Gabelli School of Business. He joined the team full time in 2016 after graduating with a degree in applied accounting and finance with a concentration in alternative investments. In 2018 he was promoted to portfolio associate and, in 2020, to Financial Advisor.
In his free time, Jack volunteers with iMentor at a high school in the Bronx. iMentor matches students from lower-income neighborhoods with college-educated mentors to help them navigate their college journey. He also enjoys playing squash and attending live music events. Jack lives on the Upper East Side of Manhattan.
Jack interned with The Carrier Group in 2014 while attending the Fordham University Gabelli School of Business. He joined the team full time in 2016 after graduating with a degree in applied accounting and finance with a concentration in alternative investments. In 2018 he was promoted to portfolio associate and, in 2020, to Financial Advisor.
In his free time, Jack volunteers with iMentor at a high school in the Bronx. iMentor matches students from lower-income neighborhoods with college-educated mentors to help them navigate their college journey. He also enjoys playing squash and attending live music events. Jack lives on the Upper East Side of Manhattan.
Securities Agent: WV, WY, WI, VT, VI, VA, TX, TN, SD, SC, RI, PR, PA, OK, OH, NY, NM, NJ, NH, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, IA, HI, GA, FL, DE, DC, NE, CT, CO, CA, NV, AZ, AR, AL, OR, WA, UT, AK, ID, MS, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 2072979
NMLS#: 2072979
About Brendan Cefalu
Drawing on six years of institutional trading and private wealth management experience, Brendan Cefalu contributes to an outstanding overall service experience for clients of The Carrier Group. Working in support of the team’s advisors, Brendan conducts portfolio analytics to help the team identify appropriate investments for client portfolios. He is also responsible for account opening and maintenance, the execution of wires and equity trades, and a variety of other service activities.
Prior to joining The Carrier Group in 2022, Brendan worked on the international equity trading desk at Jeffries. He began his career at MUFG as a global markets risk surveillance analyst, later becoming a money market trader.
Born and raised on Long Island, Brendan graduated from the State University of New York at Plattsburgh, where he majored in finance and economics and was a four-year member of the lacrosse team. When not at work, he enjoys playing golf, working out and spending time at the beach.
Prior to joining The Carrier Group in 2022, Brendan worked on the international equity trading desk at Jeffries. He began his career at MUFG as a global markets risk surveillance analyst, later becoming a money market trader.
Born and raised on Long Island, Brendan graduated from the State University of New York at Plattsburgh, where he majored in finance and economics and was a four-year member of the lacrosse team. When not at work, he enjoys playing golf, working out and spending time at the beach.
About Kevin Massa
Kevin Massa contributes to the team’s operational efforts, working to create an outstanding service experience for its clients. His responsibilities include the opening of accounts and handling of trades and transfers. Kevin joined Morgan Stanley in 2018 and has been a member of The Carrier Group since 2019.
Kevin graduated from Bryant University, where he was a four-year starter on the varsity lacrosse team and earned USILA First Team All-American honors. He stayed active in the sport, coaching youth lacrosse, and enjoys playing golf in his free time.
Kevin graduated from Bryant University, where he was a four-year starter on the varsity lacrosse team and earned USILA First Team All-American honors. He stayed active in the sport, coaching youth lacrosse, and enjoys playing golf in his free time.
About Nadia Persaud
Nadia Persaud joined the Carrier Group in February 2025 with a strong foundation in client service and financial expertise. She graduated from the University of Delaware in 2020, where she double majored in Finance and Financial Planning with a minor in Economics. Nadia began her career in 2019 at Morgan Stanley as a Wealth Management Intern and transitioned to a full-time role as a Registered Client Service Associate in 2020.
She earned her Certified Financial Planner (CFP) designation in 2023, solidifying her commitment to providing clients with thoughtful and comprehensive financial plans. At the Carrier Group, she works closely with clients to ensure they receive seamless and personalized support every step of the way.
Outside of the workplace, Nadia enjoys spending time with friends and family, trying new restaurants, and cheering on her fellow New York Knicks.
She earned her Certified Financial Planner (CFP) designation in 2023, solidifying her commitment to providing clients with thoughtful and comprehensive financial plans. At the Carrier Group, she works closely with clients to ensure they receive seamless and personalized support every step of the way.
Outside of the workplace, Nadia enjoys spending time with friends and family, trying new restaurants, and cheering on her fellow New York Knicks.
About Billy Roddy
Billy Roddy is a graduate of Duke University, where he earned a Bachelor of Science In Economics with a minor in Mandarin Chinese. He joined the team in March of 2025 and will be focused on portfolio allocations along with financial planning. With a strong analytical background, Billy is committed to helping clients achieve their financial goals.
In his free time, Billy enjoys playing golf, reading across a wide range of genres, and spending quality time with friends, family and his dog, Coach.
In his free time, Billy enjoys playing golf, reading across a wide range of genres, and spending quality time with friends, family and his dog, Coach.
Contact William Gambrill
Contact Charles Natt
Contact Adam Lang
Contact Jack Topham
Private Wealth Management
Professional Insights
The GIC Weekly
Wealth Management
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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
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
PWM Leadership Insights & Outcomes
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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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures | Morgan Stanley
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures | Morgan Stanley
CRC 4677197 (7/2025)
