Shannon H. Glor, CFP®
Executive Director, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, Lending Specialist
Phone:
(813) 227-2149(813) 227-2149
The Glor Wealth Management Group at Morgan Stanley
Shannon H. Glor, CFP®Steven D KatzmanBenjamin Crum, CRPS®, CFP®Katie LeugersSamantha MenardCallie Mitchell
Direct:
(813) 227-2149(813) 227-2149
Industry Award WinnerOur Mission Statement
We are committed to helping our clients navigate life at every stage and to provide them with an exceptional client experience.
Our Story
The Glor Wealth Management Group has over 95 years of combined experience serving the financial needs of our clients (Shannon Glor 32 years, Steve Katzman 40 years, Benjamin Crum 24 years). We take great pride in the relationships we develop with our clients & our community that lead us to becoming the “family advisor” for many. Our group strives to evolve and adapt to the ever-changing stages of life with integrity and focus on putting ourselves in the shoes of others. Our team has a mission to put our customers first and be as flexible and available as possible to meet our clients' needs & expectations. We work hard to deliver outstanding results, and continuously improve our practice to better our relationships with each other and our existing and future Glor Wealth Management Group clients.
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.
Call and schedule an appointment today at 813-227-2149.
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.
Call and schedule an appointment today at 813-227-2149.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Corporate Retirement PlansFootnote6
- Divorce Financial AnalysisFootnote7
- Lending Products
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- AnnuitiesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial, Retirement, Legacy, & Estate Planning
Morgan 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 https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
MODERN WEALTH MANAGEMENT TOOLS
Morgan Stanley is at the forefront of technology in the industry. As a part of our teams services, these resources are readily available for our clients.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services
Morgan Stanley Reserved Living & Giving
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
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.
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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 CenterSignificance of a Family Wealth Director
We leverage the versatile resources of Morgan Stanley and our resource partners to help you and your family maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to lead meaningful, fulfilled and engaged lives. A Family Wealth Director is a rare distinction, earned by about only 5% of Morgan Stanley's Financial Advisors. The designation is given to advisors who have undergone specialized training to complement their extensive experience working with ultra-high net worth families. As of 2023, we are proud to announce that Shannon Glor has earned this designation!
Family Governance & Wealth Education
The Family Governance & Wealth Education group helps ultra-high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Legacy & Estate Planning Strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Philanthropy Management
Shannon provides his clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
The Morgan Stanley Global Impact Funding Trust, Inc. (MS GIFT) is an organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (MS GIFT) is a donor advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT. Back office administration provided by RenPSG, an unaffiliated charitable gift administrator.
Access to Cash Management and Lending Solutions
We offer robust cash management and lending solutions to complement your investment strategy.
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.<o:p></o:p>
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<o:p></o:p>
Lifestyle Advisory
Provide bespoke solutions and access to knowledgeable, highly personal third-party providers to help meet your exceptional needs from the everyday to the extraordinary.
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.
2025 Market Outlook
Learn what Morgan Stanley's experts have to say about what may lie ahead for market and economic conditions in 2025. Click on the articles below, or read more to navigate to Morgan Stanley's research database for market and economic insights.
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2025 Tax Tables
As tax filing deadlines approach, you can prepare for last year's taxes and this year's planning with the updated 2025 tax tables.
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Shannon H. Glor, CFP®, President's Club Member as of 2025
Morgan Stanley's prestigious President's Club is an elite group of the Firm's Financial Advisors and a recognition of Shannon's dedication in providing first-class service to clients.
Location
100 N Tampa St
Ste 3000
Tampa, FL 33602
US
Direct:
(813) 227-2149(813) 227-2149
Meet The Glor Wealth Management Group
Steven D Katzman
Financial Advisor, Vice President
Phone:
(813) 227-2159(813) 227-2159
Phone:
(863) 499-1506(863) 499-1506
Katie Leugers
Business Development Director, Assistant Vice President
Phone:
(813) 227-2186(813) 227-2186
Samantha Menard
Senior Registered Client Service Associate
Phone:
(813) 227-2126(813) 227-2126
Callie Mitchell
Client Relationship Analyst
Phone:
(813) 227-2019(813) 227-2019
About Shannon H. Glor
As the founder of The Glor Wealth Management Group, Shannon’s singular focus is providing a white-glove, customized client experience. This, combined with his understanding of each of his client’s priorities is what sets The Glor Wealth Management Group apart from others in the industry.
Shannon has 30 years’ experience as a financial advisor; He began his career with Merrill Lynch in 1993 and then moved to Morgan Stanley (formerly Smith Barney) in 2008 where he now serves as Executive Director, Family Wealth Director, and Senior Portfolio Management Director. Shannon has been recognized as a member of Morgan Stanley's prestigious President's Club in 2025, and was recognized by Forbes Best In State Advisor for 2023. Just recently his Team was also recognized by Forbes Best– In-State Wealth management Teams in 2024 and 2025.
Throughout the years, Shannon has developed an art for providing a unique, personalized service to each of his clients. Shannon’s ability to know and understand his client’s needs allows him to build customized financial plans that creatively achieve his clients’ long-term goals. Shannon places a high value on education and professional development. He is a Board-Certified Financial Planner, holds several FINRA Series licenses, and is a licensed Life, Health, Variable, and Long-Term Care Insurance professional. He also holds his NMLS mortgage license and can provide various cash management solutions.
Shannon is enthusiastically involved in his community! Currently he is an active member and supporter of Southeastern Guide Dogs/Paws for Patriots, The Tampa Connection Alumni Association, and his Church, South Tampa Fellowship. In 2002, Shannon graduated from Tampa Connection program and became a member of the Tampa Connection Board of Directors, where he served for 6 years as a board member and Chairman of the Board.
Shannon grew up in rural Missouri and graduated college from the University of Missouri, “Mizzou.” He has lived in Tampa, Florida since 2001. Outside of the office, Shannon enjoys spending time with his beautiful wife, Jenny, and his 3 children. In his spare time, Shannon enjoys watching sports of any kind, especially the Kansas City Chiefs and the Tampa Bay Lightning!
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes’ 2025 Best-In-State Wealth Management Teams.
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24
Morgan Stanley Wealth Management President's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President's Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Shannon has 30 years’ experience as a financial advisor; He began his career with Merrill Lynch in 1993 and then moved to Morgan Stanley (formerly Smith Barney) in 2008 where he now serves as Executive Director, Family Wealth Director, and Senior Portfolio Management Director. Shannon has been recognized as a member of Morgan Stanley's prestigious President's Club in 2025, and was recognized by Forbes Best In State Advisor for 2023. Just recently his Team was also recognized by Forbes Best– In-State Wealth management Teams in 2024 and 2025.
Throughout the years, Shannon has developed an art for providing a unique, personalized service to each of his clients. Shannon’s ability to know and understand his client’s needs allows him to build customized financial plans that creatively achieve his clients’ long-term goals. Shannon places a high value on education and professional development. He is a Board-Certified Financial Planner, holds several FINRA Series licenses, and is a licensed Life, Health, Variable, and Long-Term Care Insurance professional. He also holds his NMLS mortgage license and can provide various cash management solutions.
Shannon is enthusiastically involved in his community! Currently he is an active member and supporter of Southeastern Guide Dogs/Paws for Patriots, The Tampa Connection Alumni Association, and his Church, South Tampa Fellowship. In 2002, Shannon graduated from Tampa Connection program and became a member of the Tampa Connection Board of Directors, where he served for 6 years as a board member and Chairman of the Board.
Shannon grew up in rural Missouri and graduated college from the University of Missouri, “Mizzou.” He has lived in Tampa, Florida since 2001. Outside of the office, Shannon enjoys spending time with his beautiful wife, Jenny, and his 3 children. In his spare time, Shannon enjoys watching sports of any kind, especially the Kansas City Chiefs and the Tampa Bay Lightning!
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes’ 2025 Best-In-State Wealth Management Teams.
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24
Morgan Stanley Wealth Management President's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President's Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Securities Agent: MD, DE, OK, IN, CT, CO, WA, NJ, NC, DC, AZ, TX, PA, MA, WV, WI, MT, AL, IL, VA, TN, SC, ME, IA, CA, NY, NV, MN, KY, GA, PR, NM, MI, FL, OH, NH, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1321555
NMLS#: 1321555
About Steven D Katzman
Steven Katzman is a devoted partner of The Glor Group at Morgan Stanley. He has been an invaluable member of the Morgan Stanley family for more than 35 years and one of the Glor Groups trusted advisors for the last 8 years. Steve strives to understand his client’s needs and create a financial plan tailored to helping his clients reach their individual financial goals. He prides himself in his ability to make long lasting relationships that allow for him to become the family advisor of many for generation to generation.
Steve was born and raised in St. Louis, Missouri where he attended Missouri State University and received his Bachelor’s degree in Business Administration. In 1985, he moved to Tampa, FL to be closer to family and start his career in financial services. Steve is a family man and has been happily married to his wife, Donna, for 30 years and enjoys visiting his daughter every chance he gets! He enjoys exploring local restaurants and spending quality time with friends as well as supporting all Tampa Bay local sports!
Steve has been in the industry for a long time but is always open to expanding his understanding to new perspectives so he can provide his clients with the best service and advice possible. He enjoys educating himself on the bond market and applying that knowledge to his financial planning strategy. Throughout his career, he has earned several FINRA licenses and continues to develop his industry knowledge by attending various seminars on a regular basis. A characteristic that sets Steve apart is his ability to adapt and be flexible and available for his clients at all times. Steve provides his clients with the confidence and trust that if they need him he will be there for them whether it be about finances, family, travel or sports!
Steve was born and raised in St. Louis, Missouri where he attended Missouri State University and received his Bachelor’s degree in Business Administration. In 1985, he moved to Tampa, FL to be closer to family and start his career in financial services. Steve is a family man and has been happily married to his wife, Donna, for 30 years and enjoys visiting his daughter every chance he gets! He enjoys exploring local restaurants and spending quality time with friends as well as supporting all Tampa Bay local sports!
Steve has been in the industry for a long time but is always open to expanding his understanding to new perspectives so he can provide his clients with the best service and advice possible. He enjoys educating himself on the bond market and applying that knowledge to his financial planning strategy. Throughout his career, he has earned several FINRA licenses and continues to develop his industry knowledge by attending various seminars on a regular basis. A characteristic that sets Steve apart is his ability to adapt and be flexible and available for his clients at all times. Steve provides his clients with the confidence and trust that if they need him he will be there for them whether it be about finances, family, travel or sports!
Securities Agent: ME, TN, NY, WV, OH, IN, NJ, FL, MI, MA, IA, HI, WA, VA, OK, DE, NC, MT, MN, IL, DC, AL, TX, SC, PR, NM, MO, MD, GA, CA, RI, NH, CT, CO, AZ, WI, PA, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2512437
NMLS#: 2512437
About Benjamin Crum
As a Financial Advisor, Ben helps his clients define and strive to meet their goals by delivering a vast array of resources in the way that is most appropriate for how they invest and what they want to achieve. He is committed to learning about what is important to them to determine the most appropriate financial solutions and strategies for their unique situations.
Ben has more than two decades of industry experience and has been a financial advisor with Morgan Stanley since 2004. In 2023, Ben joined The Glor Wealth Management Group at Morgan Stanley and has since brought his vast knowledge and experience to the team. We are very excited about this partnership and our future working together.
Ben was born and raised in Bartow, FL and he is a 7th generation Floridian. He received his education from The University of South Florida with a Bachelor of Science in Finance. Ben and his wife have two sons. They now reside in Lakeland and enjoy coaching their sons' soccer team.
Ben has more than two decades of industry experience and has been a financial advisor with Morgan Stanley since 2004. In 2023, Ben joined The Glor Wealth Management Group at Morgan Stanley and has since brought his vast knowledge and experience to the team. We are very excited about this partnership and our future working together.
Ben was born and raised in Bartow, FL and he is a 7th generation Floridian. He received his education from The University of South Florida with a Bachelor of Science in Finance. Ben and his wife have two sons. They now reside in Lakeland and enjoy coaching their sons' soccer team.
Securities Agent: TN, CT, CO, NM, CA, VA, GA, DC, AZ, WA, NJ, NC, IA, AL, SC, MD, WI, PR, PA, TX, NV, NH, MT, MO, MI, ME, MA, IN, WV, OK, MN, KY, OH, IL, NY, FL, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1311949
NMLS#: 1311949
About Katie Leugers
Katie joined The Glor Group at the beginning of 2020 as the Business Development Associate and has been a valuable asset ever since.
She was born and raised in South Tampa, a true Davis Islands native. She attended St. John’s Episcopal in her elementary years and later graduated from H.B. Plant High School in 2008. After high school, Katie moved to Tallahassee, FL to attend Florida State University. During her time at FSU, she had the opportunity to study abroad in Valencia, Spain. In 2012, she graduated with her Bachelor’s Degrees in Finance & Marketing.
Katie started her career in Banking at the Downtown Tampa Branch of Regions Financial and after a few years transitioned her focus to the Securities Industry. In 2016, Katie joined the Tampa Office of E*TRADE Financial as a Branch Service Representative where she earned her Series 7 & 66 FINRA licenses.
Continuing to expand her knowledge and understanding of the industry is very important to Katie, and since joining The Glor Group she has become a licensed life, health, variable annuity and long term care professional.
Outside of the office, Katie enjoys spending time with her family and friends. She and her husband, Ben, enjoy spending quality time with their three children, as well as staying active in the community through a variety of local club sport teams. They can be spotted at any local team sporting event, whether it be to cheer on the Tampa Bay Rays, Bucs or Lightning!
She was born and raised in South Tampa, a true Davis Islands native. She attended St. John’s Episcopal in her elementary years and later graduated from H.B. Plant High School in 2008. After high school, Katie moved to Tallahassee, FL to attend Florida State University. During her time at FSU, she had the opportunity to study abroad in Valencia, Spain. In 2012, she graduated with her Bachelor’s Degrees in Finance & Marketing.
Katie started her career in Banking at the Downtown Tampa Branch of Regions Financial and after a few years transitioned her focus to the Securities Industry. In 2016, Katie joined the Tampa Office of E*TRADE Financial as a Branch Service Representative where she earned her Series 7 & 66 FINRA licenses.
Continuing to expand her knowledge and understanding of the industry is very important to Katie, and since joining The Glor Group she has become a licensed life, health, variable annuity and long term care professional.
Outside of the office, Katie enjoys spending time with her family and friends. She and her husband, Ben, enjoy spending quality time with their three children, as well as staying active in the community through a variety of local club sport teams. They can be spotted at any local team sporting event, whether it be to cheer on the Tampa Bay Rays, Bucs or Lightning!
About Samantha Menard
Samantha serves as The Glor Group’s Client Service Associate. She is an invaluable asset to our team. A normal day for Samantha includes all the behind the scene actions of document processing, transferring funds, connecting with clients and managing the inflow of client request as well as so much more! Samantha strives to have a commitment to excellence which provides clients with the confidence that they are receiving the best service in the business. She is essential to keeping the group in good order and if anyone needs assistance with anything she is our go to girl!
Born and raised in Brandon, FL Samantha developed a strong work ethic at a young age. Her family owned a business which educated her on the importance of working hard and providing exceptional service to be successful. She has carried this work ethic with her and applied it to her life as a motivated young professional.
Once graduating high school from the Academy of Holy Names in South Tampa, Samantha received well deserved scholarships to attend Purdue University. She was active in the community as a college student and a member of the University’ Club Swim Team. Before graduating with her Business Bachelor’s degree in 2016 she had the opportunity to study abroad in Milan, Italy where she found her love for Finance.
After graduating, Samantha returned to the Tampa Bay area to escape the cold weather and reunite with her family. She started her career at Charles Schwab where she earned her FINRA series licenses, then moved to Edelman Financial Services, and now is a member of the Morgan Stanley family. Samantha sees value in expanding her knowledge in the industry and since becoming a member of The Glor Group has become a Certified Qualified Financial Paraplanner and a licensed insurance professional.
Outside of work, Samantha enjoys volunteering with the Junior League of South Tampa. She is actively involved with the group, “Ready to Achieve”, which teaches financial literacy to teens and young adults in the Florida foster care system and group homes. She also graduated from Tampa Connections in 2022 and was recognized as "Team Member of the Year". Samantha loves baking, going on outdoor adventures, and staying fit with yoga and barre. Samantha has a true desire to help clients with any of their financial service needs and looks forward to making long lasting relationships with our clients.
Born and raised in Brandon, FL Samantha developed a strong work ethic at a young age. Her family owned a business which educated her on the importance of working hard and providing exceptional service to be successful. She has carried this work ethic with her and applied it to her life as a motivated young professional.
Once graduating high school from the Academy of Holy Names in South Tampa, Samantha received well deserved scholarships to attend Purdue University. She was active in the community as a college student and a member of the University’ Club Swim Team. Before graduating with her Business Bachelor’s degree in 2016 she had the opportunity to study abroad in Milan, Italy where she found her love for Finance.
After graduating, Samantha returned to the Tampa Bay area to escape the cold weather and reunite with her family. She started her career at Charles Schwab where she earned her FINRA series licenses, then moved to Edelman Financial Services, and now is a member of the Morgan Stanley family. Samantha sees value in expanding her knowledge in the industry and since becoming a member of The Glor Group has become a Certified Qualified Financial Paraplanner and a licensed insurance professional.
Outside of work, Samantha enjoys volunteering with the Junior League of South Tampa. She is actively involved with the group, “Ready to Achieve”, which teaches financial literacy to teens and young adults in the Florida foster care system and group homes. She also graduated from Tampa Connections in 2022 and was recognized as "Team Member of the Year". Samantha loves baking, going on outdoor adventures, and staying fit with yoga and barre. Samantha has a true desire to help clients with any of their financial service needs and looks forward to making long lasting relationships with our clients.
About Callie Mitchell
Callie is the newest member of The Glor Wealth Management Group, joining in August of 2024 as a Client Relationship Analyst. Callie brings a wealth of knowledge and enthusiasm to the team, having previously excelled as the Summer Intern back in 2023. She recently obtained her Series 7 & 66 FINRA licenses and is a licensed insurance professional.
A proud graduate of Florida State University, Callie holds both a Bachelor of Science in Finance and a Master’s in Business Administration. This academic background, combined with hands-on experience, equips Callie with a deep understanding of financial dynamics and client management strategies.
Callie was born and raised in Pensacola, Florida, and holds a deep appreciation for her hometown. She recently relocated to Tampa after graduation to embark on her professional journey.
Outside of work, Callie enjoys playing tennis and spending time with her family.
A proud graduate of Florida State University, Callie holds both a Bachelor of Science in Finance and a Master’s in Business Administration. This academic background, combined with hands-on experience, equips Callie with a deep understanding of financial dynamics and client management strategies.
Callie was born and raised in Pensacola, Florida, and holds a deep appreciation for her hometown. She recently relocated to Tampa after graduation to embark on her professional journey.
Outside of work, Callie enjoys playing tennis and spending time with her family.
Contact Shannon H. Glor
Contact Steven D Katzman
Contact Benjamin Crum
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2023-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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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
Michael Johnson
Private Banker
Mary Catherine Grygier
Planning Associate
About Michael Johnson
Michael Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL.. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
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.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL.. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
NMLS#: 982074
About Mary Catherine Grygier
Mary Grygier a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Mary provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Colgate University and received the Financial Planning Specialist designation. Mary is originally from Ridgewood, NJ and currently resides in New York City.
She earned her undergraduate degree from Colgate University and received the Financial Planning Specialist designation. Mary is originally from Ridgewood, NJ and currently resides in New York City.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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Morgan 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.
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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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
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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
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- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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- Impact Investing
Rational Investing in an Age of Uncertainty
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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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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
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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,
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Glor Wealth Management Group today.
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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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.
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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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.
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 | Morgan Stanley
CRC 4665150 (8/2025)
