Jonathan Karelitz, CFP®, CRPS®
Executive Director, Wealth Management, Financial Advisor, Corporate Retirement Director, Workplace Advisor – Equity Compensation, Financial Wellness Director, Lending Specialist, Family Wealth Director
The Karelitz Group at Morgan Stanley
Our Mission Statement
Helping you develop a financial plan with the right investments to achieve your life goals.
Our Approach
The Karelitz Group strives to deliver the highest level of client service and believes that honest and transparent client-advisor relationships are essential to our successful practice. We believe in helping clients develop their vision of success by providing independent, unbiased financial planning and investment advice. Our objective is to help individuals and families achieve their financial goals; the strategies we create and implement are tailored to our clients’ present and future needs and desires. We also help business owners manage their investable resources and implement benefit programs designed to help recruit, retain and reward their most valuable assets, their employees.
Here at the Karelitz Group, we make it a point to be there for our clients at all times; we want each client to know how much they mean to our practice and that their finances are in great hands.
Disclosures:
NAPA's Top DC Advisor Teams
2022, 2023 NAPA's Top DC Advisor Teams
Source: Source: napa-net.org (Awarded 2022, 2023) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2023, 2024, 2025 Forbes Best-In-State Wealth Management Team: Massachusetts
Source: Forbes.com (Awarded 2023, 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.
2019, 2021, 2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024 Forbes America’s Top Wealth Advisors
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23. Award Disclosures
2019 Forbes Best-in-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
2018 NAPA's Top Retirement Plan Advisors Under 40 (Aces)
2018 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns))
Source: Source: napa-net.org (Awarded 2018) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
2020, 2021, 2022 NAPA's Top DC Advisor Teams with AUA Over $100 Million
Source: napa-net.org (2020-2022) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2021 NAPA's Top Young Retirement Plan Advisors
Source: napa-net.org (Oct 2021) Data compiled by NAPA based on time period from Aug 2020-Aug 2021.
2018, 2019, 2020 Financial Times 401 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2020; data 6/30/16 - 6/30/19
Awarded 2019; data 6/30/15 - 6/30/18
Awarded 2018; data 6/30/15 - 6/30/17
Here at the Karelitz Group, we make it a point to be there for our clients at all times; we want each client to know how much they mean to our practice and that their finances are in great hands.
Disclosures:
NAPA's Top DC Advisor Teams
2022, 2023 NAPA's Top DC Advisor Teams
Source: Source: napa-net.org (Awarded 2022, 2023) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2023, 2024, 2025 Forbes Best-In-State Wealth Management Team: Massachusetts
Source: Forbes.com (Awarded 2023, 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.
2019, 2021, 2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024 Forbes America’s Top Wealth Advisors
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23. Award Disclosures
2019 Forbes Best-in-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
2018 NAPA's Top Retirement Plan Advisors Under 40 (Aces)
2018 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns))
Source: Source: napa-net.org (Awarded 2018) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
2020, 2021, 2022 NAPA's Top DC Advisor Teams with AUA Over $100 Million
Source: napa-net.org (2020-2022) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2021 NAPA's Top Young Retirement Plan Advisors
Source: napa-net.org (Oct 2021) Data compiled by NAPA based on time period from Aug 2020-Aug 2021.
2018, 2019, 2020 Financial Times 401 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2020; data 6/30/16 - 6/30/19
Awarded 2019; data 6/30/15 - 6/30/18
Awarded 2018; data 6/30/15 - 6/30/17
Awards & Recognition
- 2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
- 2019, 2021, 2022, 2024 Forbes Best-In-State Wealth Advisors
- 2019 Forbes Best-In-State Next-Gen Wealth Advisors
- 2018 National Association of Plan Advisor (NAPA) Top Retirement Plan Advisors Under 40
- 2020, 2021, 2022 National Association of Plan Advisors (NAPA) Top DC Advisor Teams with AUA Over $100 Million
- 2021 National Association of Plan Advisors (NAPA) Top Young Retirement Plan Advisors
- 2018, 2019, 2020 Financial Times Top 401 Retirement Advisors
- 2023, 2024 NAPA Top DC Advisory Teams
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Feel Secure with Your Personal Finances
The Karelitz Group works with executives of public, private, and venture backed companies. We support corporate insiders in effectively navigating the landscape of insider trading regulation and reporting requirements because we recognize that there are times where your personal finances can take a back seat to the demands of overseeing a company. We also ensure their clients feel secure with their financial plans, so they can confidently focus all of their efforts into their respective businesses.
Our group assists our clients with personal questions:
- Are you optimizing your executive benefits?
- Are you making the best use of income, investments assets and debt?
- When is the right time to pass down some of your wealth?
- Do you have enough life insurance?
- How can you earn higher yields while simultaneously keeping your money safe?
- How can you protect your investments from the erosion of taxes?
- How much wealth do you need to accumulate to continue your lifestyle in retirement?
And unique challenges:
- Hedging and diversifying concentrated positions of company stock
- Determining the best time to exercise stock options
- Making elections around restricted stock grants
- Transferring wealth to the next generation
- Fulfilling charitable inclinations
The Karelitz Group wants their executive clients to feel secure with finances so they can do what they do best: run their business.
Our group assists our clients with personal questions:
- Are you optimizing your executive benefits?
- Are you making the best use of income, investments assets and debt?
- When is the right time to pass down some of your wealth?
- Do you have enough life insurance?
- How can you earn higher yields while simultaneously keeping your money safe?
- How can you protect your investments from the erosion of taxes?
- How much wealth do you need to accumulate to continue your lifestyle in retirement?
And unique challenges:
- Hedging and diversifying concentrated positions of company stock
- Determining the best time to exercise stock options
- Making elections around restricted stock grants
- Transferring wealth to the next generation
- Fulfilling charitable inclinations
The Karelitz Group wants their executive clients to feel secure with finances so they can do what they do best: run their business.
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Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementWhat We Offer
As a corporate executive, you may be aware of material non-public information at any time and can also face company-imposed quarterly or specific blackout periods restricting market access to trading your company stock. A 10b5-1 plan is designated to address these issues. By utilizing a 10b5-1 plan, you can gain an affirmative defense against claims of insider trading. Your plan can include tailored trading schedule that coordinates with your personal need for liquidity and your own timing requirements.
What is Rule 10b5-1?
Established by the Securities and Exchange Commission in 2000, Rule 10b5-1 provides defense against claims of trading on inside information in certain circumstances.
Our Offers
• Executive education with experience in SEC regulations
• 10b5-1 template creation, in coordination with company’s general counsel
• Individual selling strategies and wealth planning for company executives
• Order flow management as vests occur
• Streamlined trade execution direction, working in tandem with stock plan administrator, stock plan custodian, and Morgan Stanley
• 10b5-1 template creation, in coordination with company’s general counsel
• Individual selling strategies and wealth planning for company executives
• Order flow management as vests occur
• Streamlined trade execution direction, working in tandem with stock plan administrator, stock plan custodian, and Morgan Stanley
Our Mission
Helping corporate clients structure, implement, and manage Rule 10b5-1 Preset Diversification Plans –– we strive to unburden executives from the intricate service, administrative, and regulatory challenges involved in the process.
The Crossroads of Excellence
Morgan Stanley has industry leading ranked #1 in Rule 10b5-1 and 144 services for over 13 years[i]. The Karelitz Group, is a highly regarded 10b5-1 team within the firm.
WHAT IS A MORGAN STANLEY WORKPLACE ADVISOR - EQUITY COMPENSATION DESIGNATION? WHAT DO WE OFFER?
Jonathan, Kyle, Sean, Greg, and Justin have all obtained the Workplace Advisor - Equity Compensation designation from the firm. Morgan Stanley Financial Advisors who hold this designation receive unique training and education on company specific plans to service their clients' needs. These designated advisors can help you determine how your equity compensation fits into your overall goals and financial strategy; they utilize the resources and tools of Morgan Stanley Wealth Management including goals based strategies, personalized financial plans and customized solutions.
Your equity journey will be marked by important milestones and Jonathan, Kyle, Sean, Greg, & Justin help their clients every step of the way, from tender offers and vesting events to grants and awards. Jonathan, Kyle, Sean, Greg, & Justin and the team support their clients by:
- Educating recipients of equity awards on their value and tax qualities
- Developing custom strategies to integrate equity compensation into broader financial plan
- Working with other advisors (ex. Accountant/CPA) to create option exercise strategies in order to achieve lower tax rates on sales and avoid AMT tax
- Executing strategies designed to maximize the value of employer stock grants and employee stock purchase plans
Location
112 Worcester Street
Wellesley, MA 02481
US
Direct:
(781) 672-5169(781) 672-5169
Meet The Karelitz Group
Neal Karelitz
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(781) 672-5163(781) 672-5163
Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(781) 431-6729(781) 431-6729
Phone:
(781) 431-6721(781) 431-6721
Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Evan Rodegher
Client Service Associate
Phone:
(781) 431-6770(781) 431-6770
Robert McNeice
Client Service Associate
Phone:
(781) 431-6753(781) 431-6753
Chris Godosky
Client Service Associate
Phone:
(781) 416-2403(781) 416-2403
Hailey Opperman
Client Service Associate
Phone:
(781) 672-5135(781) 672-5135
Valeria Arauz Rivas
Client Service Associate
Phone:
(781) 672-5302(781) 672-5302
About Jonathan Karelitz
Jonathan has a passion for investing. His clients rely on him for his experience in financial planning. Jonathan focuses on helping business owners and their employees address issues related to their company sponsored retirement plans, estate planning and personal finance.
At Morgan Stanley Jonathan has earned the prestigious designation of Corporate Retirement Director a title given only to select Financial Advisors who have demonstrated skill, and experience in company sponsored retirement plans such as 401(k) and 403(b).
Jonathan began his career at AXA Advisors in 2005, and transitioned in 2007 to build The Karelitz Group at Oppenheimer & Co with his father Neal. The Karelitz Group moved their business to Morgan Stanley in late 2014.
Jonathan graduated from Trinity College in 2005 with a degree in Economics. He now resides in Sudbury, MA with his wife Melinda, and three girls: identical twin girls Julia and May and his youngest Evelyn. Outside of the office, Jonathan enjoys spending time with his family, skiing, golfing and playing guitar.
Professional Details:
- Series 7 and 66 Licensed
- Insurance Licensed
- BA, 2005 Trinity College
- Over 10 Years Experienced in Financial Services
- Corporate Retirement Director
- Certified Financial Planner™
- Dedicated Equity Plan Specialist
- Chartered Retirement Plans Specialist
- Financial Wellness Director
Awards:
- Forbes Best-In-State Wealth Advisors 2021
- NAPA’s 2021 Top Young Retirement Plan Advisors
- 2018-2020 Financial Times Top 401 Retirement Advisors
- 2019 Forbes Magazine’s Best-In-State Next-Gen Wealth Advisors
- 2018 National Association of Plan Advisors (NAPA) Top Retirement Plan Advisors Under 40
Disclosure
2021 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021 NAPA's Top Young Retirement Plan Advisors
Source: napa-net.org (Oct 2021) Data compiled by NAPA based on time period from Aug 2020-Aug 2021.
2018, 2019, 2020 Financial Times 401 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2020; data 6/30/16 - 6/30/19
Awarded 2019; data 6/30/15 - 6/30/18
Awarded 2018; data 6/30/15 - 6/30/17
2019 Forbes Best-in-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
2018 Top Retirement Plan Advisors Under 40 (Aces)
Source: Source: napa-net.org (Awarded 2018) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
At Morgan Stanley Jonathan has earned the prestigious designation of Corporate Retirement Director a title given only to select Financial Advisors who have demonstrated skill, and experience in company sponsored retirement plans such as 401(k) and 403(b).
Jonathan began his career at AXA Advisors in 2005, and transitioned in 2007 to build The Karelitz Group at Oppenheimer & Co with his father Neal. The Karelitz Group moved their business to Morgan Stanley in late 2014.
Jonathan graduated from Trinity College in 2005 with a degree in Economics. He now resides in Sudbury, MA with his wife Melinda, and three girls: identical twin girls Julia and May and his youngest Evelyn. Outside of the office, Jonathan enjoys spending time with his family, skiing, golfing and playing guitar.
Professional Details:
- Series 7 and 66 Licensed
- Insurance Licensed
- BA, 2005 Trinity College
- Over 10 Years Experienced in Financial Services
- Corporate Retirement Director
- Certified Financial Planner™
- Dedicated Equity Plan Specialist
- Chartered Retirement Plans Specialist
- Financial Wellness Director
Awards:
- Forbes Best-In-State Wealth Advisors 2021
- NAPA’s 2021 Top Young Retirement Plan Advisors
- 2018-2020 Financial Times Top 401 Retirement Advisors
- 2019 Forbes Magazine’s Best-In-State Next-Gen Wealth Advisors
- 2018 National Association of Plan Advisors (NAPA) Top Retirement Plan Advisors Under 40
Disclosure
2021 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021 NAPA's Top Young Retirement Plan Advisors
Source: napa-net.org (Oct 2021) Data compiled by NAPA based on time period from Aug 2020-Aug 2021.
2018, 2019, 2020 Financial Times 401 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2020; data 6/30/16 - 6/30/19
Awarded 2019; data 6/30/15 - 6/30/18
Awarded 2018; data 6/30/15 - 6/30/17
2019 Forbes Best-in-State Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
2018 Top Retirement Plan Advisors Under 40 (Aces)
Source: Source: napa-net.org (Awarded 2018) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
Securities Agent: VT, VA, MA, WY, WV, NM, AZ, SD, RI, MI, KY, IL, WI, WA, GA, TN, SC, NC, MD, IA, DC, CT, OR, NV, NH, MT, PA, ME, UT, MN, FL, CO, TX, OH, NY, NJ, IN, DE, AL, MO, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1290596
CA Insurance License #: 0K66738
NMLS#: 1290596
CA Insurance License #: 0K66738
About Neal Karelitz
Neal Karelitz joined Morgan Stanley in September 2014 as a Senior Vice President, Wealth Management. With over 40 years of experience in financial services, Neal is highly knowledgeable in all areas of investment and financial strategies. He is dedicated to providing his clients with customized portfolios tailored to their unique risk tolerances and financial goals. Neal’s clientele includes Corporations, Foundations, Non-profit entities, and high-net-worth individuals and families.
Neal remains steadfast in his commitment to fundamental analysis, ensuring that he fully understands any investment before recommending it. His extensive experience has taught him the importance of avoiding overly complex strategies and valuing hard work. Neal employs a consultative approach to investing, working closely with his clients to understand their financial situations and investment priorities while carefully explaining the risks associated with each investment.
Neal holds his General Securities Representative License (Series 7) and is also licensed as an agent for life insurance in Massachusetts and several other states. He is a graduate of Milton Academy (1975) and earned his Bachelor of Arts degree from Tufts University in 1979.
Neal lives in Wellesley, MA, with his wife, Susan, a past Trust Board Member at Children’s Hospital Boston. They have three sons, one of whom works alongside Neal at Morgan Stanley as a Senior Vice President, Wealth Management, and Corporate Retirement Director. Neal is a proud grandfather to seven grandchildren.
Outside of his professional life, Neal is passionate about cars, boats, and just about anything with a combustion engine. His hobbies include golf, skiing, tennis, and snowmobiling.
Professional Details:
• Series 7 Licensed
• Insurance Licensed
• BA, 1979, Tufts University
• Over 40 Years of Experience in Financial Services
• Enthusiast of Cars, Boats, Snowmobiling, and Other Motorized Hobbies
• Resides in Wellesley, MA, with his wife, Susan
• Father to Three Sons: Jonathan, Bradley, and Gregory
• Grandfather to Seven
Neal remains steadfast in his commitment to fundamental analysis, ensuring that he fully understands any investment before recommending it. His extensive experience has taught him the importance of avoiding overly complex strategies and valuing hard work. Neal employs a consultative approach to investing, working closely with his clients to understand their financial situations and investment priorities while carefully explaining the risks associated with each investment.
Neal holds his General Securities Representative License (Series 7) and is also licensed as an agent for life insurance in Massachusetts and several other states. He is a graduate of Milton Academy (1975) and earned his Bachelor of Arts degree from Tufts University in 1979.
Neal lives in Wellesley, MA, with his wife, Susan, a past Trust Board Member at Children’s Hospital Boston. They have three sons, one of whom works alongside Neal at Morgan Stanley as a Senior Vice President, Wealth Management, and Corporate Retirement Director. Neal is a proud grandfather to seven grandchildren.
Outside of his professional life, Neal is passionate about cars, boats, and just about anything with a combustion engine. His hobbies include golf, skiing, tennis, and snowmobiling.
Professional Details:
• Series 7 Licensed
• Insurance Licensed
• BA, 1979, Tufts University
• Over 40 Years of Experience in Financial Services
• Enthusiast of Cars, Boats, Snowmobiling, and Other Motorized Hobbies
• Resides in Wellesley, MA, with his wife, Susan
• Father to Three Sons: Jonathan, Bradley, and Gregory
• Grandfather to Seven
Securities Agent: GA, WV, WA, CO, RI, OR, ME, IL, CT, TX, SC, OH, IA, DC, WY, VT, SD, PA, NM, NH, AL, WI, UT, TN, MT, VA, NC, MD, KY, IN, AZ, NY, MN, MI, DE, CA, NV, FL, NJ, MO, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1297886
NMLS#: 1297886
About Kyle Rodegher
Kyle began his career at a boutique firm focusing primarily on Employee Benefits and 401(k) plan management before joining Morgan Stanley as a Wealth Advisor Associate in 2018. Kyle's main focus is working with 401(k) and stock plan participants in developing comprehensive financial plans along with a coincident investment strategy.
Kyle graduated from Babson College in 2017 with a degree in Finance. He played on the Babson Men's Basketball team 2014-2016, and made one Final Four appearance. He now resides in Boston, MA.
Professional Details:
- Series 7, 24, 63 and 65 Licensed
- Insurance Licensed
- BA, 2017 Babson College
- 4 Years Experienced in Financial Services
- Certified Financial Planner™
- Chartered Retirement Plans Specialist™
- Hobbies Include Playing Basketball, Golf, Reading, and CrossFit.
Kyle graduated from Babson College in 2017 with a degree in Finance. He played on the Babson Men's Basketball team 2014-2016, and made one Final Four appearance. He now resides in Boston, MA.
Professional Details:
- Series 7, 24, 63 and 65 Licensed
- Insurance Licensed
- BA, 2017 Babson College
- 4 Years Experienced in Financial Services
- Certified Financial Planner™
- Chartered Retirement Plans Specialist™
- Hobbies Include Playing Basketball, Golf, Reading, and CrossFit.
Securities Agent: NJ, ND, DE, CA, AZ, WA, GA, FL, WY, TX, MD, IN, OH, MN, MA, KY, SD, NV, CO, WV, PA, NH, MT, MI, ME, CT, AL, VT, OR, NC, WI, RI, MO, UT, NM, TN, NY, IL, IA, DC, VA, SC; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1896819
CA Insurance License #: 4035270
NMLS#: 1896819
CA Insurance License #: 4035270
About Sean Tully, FPS®
Sean has been a coach his entire career. First Tennis, then CrossFit, and now as a Financial Advisor for Morgan Stanley. He has found the commonality between all three is that good habits practiced daily can tackle any goal. He believes in the best of his clients and they trust him to give them his best. His goal is to give his clients the opportunity to spend more time doing the things they love with the people they love.
Understanding his client’s unique situation and goals allows him to tailor a wealth management strategy specific to their needs. His clients know that he is always available and their finances are in good hands.
Sean graduated from University of New Hampshire in 2008. He now resides in Beverly, MA with his wife Amanda and their children, Lauren and Benjamin. Outside of the office, Sean enjoys spending time with his family, exercising, golfing, and playing tennis. He competed as an athlete in the 2015 CrossFit Games.
Professional Details
- Series 7 and 66 Licensed
- Workplace Advisor - Equity Compensation
- Insurance Licensed
- BA, 2008 UNH
- Financial Planning Specialist
Understanding his client’s unique situation and goals allows him to tailor a wealth management strategy specific to their needs. His clients know that he is always available and their finances are in good hands.
Sean graduated from University of New Hampshire in 2008. He now resides in Beverly, MA with his wife Amanda and their children, Lauren and Benjamin. Outside of the office, Sean enjoys spending time with his family, exercising, golfing, and playing tennis. He competed as an athlete in the 2015 CrossFit Games.
Professional Details
- Series 7 and 66 Licensed
- Workplace Advisor - Equity Compensation
- Insurance Licensed
- BA, 2008 UNH
- Financial Planning Specialist
Securities Agent: AL, CO, WV, TN, NY, MN, KY, IL, UT, SC, NJ, MI, PA, MD, DE, NV, NM, GA, DC, CT, WA, IN, FL, SD, RI, ND, MT, OH, NC, WY, WI, OR, MA, CA, AZ, VT, VA, TX, MO, ME, IA, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 2174292
NMLS#: 2174292
About Justin Kern
Growing up Justin began investing money earned from caddying at local golf courses. Today, clients rely on his 20+ years of experience investing client’s assets for their long-term investment goals. With a particular focus on corporate equity compensation, Justin works with clients to help plan for retirement, education savings, and cash management strategies.
Justin began his career at a small brokerage firm in New York in 2003, and then went on to work at E*TRADE from 2005 until October of 2022 when he joined Morgan Stanley and the Karelitz Group.
Justin graduated from the University of Connecticut in 2002 with a degree in Economics. He now lives in Norfolk, MA with his wife Laurie, son Zachary, and daughter Haley. When not in the office Justin enjoys golf, skiing, and reading as much as he can.
Professional Details:
Series 7 & 66
Insurance Licensed
Justin began his career at a small brokerage firm in New York in 2003, and then went on to work at E*TRADE from 2005 until October of 2022 when he joined Morgan Stanley and the Karelitz Group.
Justin graduated from the University of Connecticut in 2002 with a degree in Economics. He now lives in Norfolk, MA with his wife Laurie, son Zachary, and daughter Haley. When not in the office Justin enjoys golf, skiing, and reading as much as he can.
Professional Details:
Series 7 & 66
Insurance Licensed
Securities Agent: CT, VA, MI, MA, IL, GA, CO, NC, DE, AL, WV, OR, NY, NH, PA, NV, KY, IN, AZ, WI, NJ, CA, WA, TN, SC, VT, TX, OH, MT, MO, MN, ME, IA, FL, DC, WY, UT, RI, NM, MD, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 2445296
NMLS#: 2445296
About Gregory C. Paul
Gregory C. Paul is a Financial Advisor on The Karelitz Group at Morgan Stanley where he provides thoughtful investment planning and asset allocation advice to individuals, families, and mission-driven nonprofits and foundations. In his financial planning process, Greg takes a values and goals-based approach to help his clients invest with purpose. As a Financial Advisor, he strives to build relationships with his clients and partners that are more personal, more engaging and more flexible than ever.
Prior to joining The Karelitz Group, Greg was an advisor at Alliance Bernstein and a Business Development Director in New York at Morgan Stanley’s Global Headquarters, where he worked closely with family offices and top private equity sponsors.
In his personal time, Greg has a passion for mentorship and supporting the arts, particularly dance. Within the community, Greg is a Trustee at Belmont Hill School and serves on the Steering Committee for the Young Patrons Circle at Alvin Ailey American Dance Theater. Greg graduated from Columbia University with a degree in Financial Economics. He holds the Series 7, 63 and 65 licenses. Outside of work, Greg enjoys playing golf and spending quality time with friends and family
Prior to joining The Karelitz Group, Greg was an advisor at Alliance Bernstein and a Business Development Director in New York at Morgan Stanley’s Global Headquarters, where he worked closely with family offices and top private equity sponsors.
In his personal time, Greg has a passion for mentorship and supporting the arts, particularly dance. Within the community, Greg is a Trustee at Belmont Hill School and serves on the Steering Committee for the Young Patrons Circle at Alvin Ailey American Dance Theater. Greg graduated from Columbia University with a degree in Financial Economics. He holds the Series 7, 63 and 65 licenses. Outside of work, Greg enjoys playing golf and spending quality time with friends and family
Securities Agent: 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, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AK, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2458683
CA Insurance License #: 4403619
NMLS#: 2458683
CA Insurance License #: 4403619
About Evan Rodegher
Evan Rodegher is a dedicated Client Service Associate at Morgan Stanley where he began his career as an intern and holds both his Series 7 and 66. With a passion for Financial Services, Evan now plays a key role in managing corporate retirement services for the team and supporting individual clients with their financial needs. Originally from Connecticut, Evan graduated from Sacred Heart University, where he majored in Accounting with a minor in Financial Analytics and played four years of Football. Here he was able to hone his skills and develop a strong foundation in finance. Outside of work, Evan loves spending time with friends and family, playing pickup basketball, and golf.
About Robert McNeice
Robert joined Morgan Stanley as a Client Service Associate and holds both Series 7 and Series 66 licenses. He is a graduate from Bentley University, where he majored in Finance with a minor in Computer Information Systems. When Robert is not in the office, he values spending time with his friends and family, playing golf, and coaching youth hockey throughout the year.
About Chris Godosky
Chris joined Morgan Stanley in 2023 and holds his Series 7 and 66 licenses. His primary focus on the team is stock plan related services and operations, but also assists in the daily operations of the service team. Chris started his career working for his father at his family's dealership after graduating from Bentley University with a Major in Finance and minors in Computer Science and Law. His favorite pastimes include skiing, golf, and fishing, while he also values spending quality time with family and friends.
About Hailey Opperman
Hailey joined Morgan Stanley as a Client Service Associate and ensures clients receive tailored support to navigate their financial goals. She holds a Series 7 license and is currently studying for the Series 66. Hailey is a graduate of Syracuse University, where she double majored in Business Analytics and Marketing. Before joining Morgan Stanley, she spent two summers interning for Pfizer, first in global marketing for a hospital IV antibiotic, and then in innovative strategic sourcing for clinical trials. Outside of the office, she enjoys experimenting with new recipes, spending time with family and traveling.
About Valeria Arauz Rivas
Valeria joined Morgan Stanley as a Client Service Associate and is currently studying for the SIE exam to later pursue both Series 7 and 66. Previously, she worked for Digital Federal Credit Union for 3 years as a Member Service Representative and her latest role as a Collateral Management Team Member. Originally from Bolivia, Valeria graduated from Framingham State University with a Bachelor of Science, majored in International Business and minors in Economics and Marketing. Her hobbies include spending time with her 4-year-old Pomeranian, watching movies & sports with her husband and traveling as much as she can.
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Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Karelitz Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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
5Products 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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
5Products 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
