The Carrier Group

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.

Drawing on over 16 years of wealth management experience, Charles Natt works closely with affluent families and individuals to craft highly customized wealth management plans. Charles also plays a key role in the team’s business development efforts.

A CERTIFIED FINANCIAL PLANNER™ (CFP^®), Charles joined Morgan Stanley in 2005. He had previously served as a Financial Advisor at Oppenheimer & Company for two years.

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 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

Adam was named to the 2018- 2021 Forbes’ Top Next-Generation Wealth Advisors and in Best in State Wealth Advisors list in 2022. 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.

2018-2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2018-2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.

Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.

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.

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.

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.