HELPING CLIENTS TO ENJOY COMFORTABLE RETIREMENTS I have been a Certified Financial Planner for over 30 years and am a First Vice President and Senior Portfolio Manager in the Harding, N.J. office of Morgan Stanley. I have built a comprehensive wealth advisory practice with a focus on retirement income. I concentrate on designing and managing custom retirement portfolios to help meet the individual needs of my clients. The clients that benefit most from this approach are individuals and couples near or in retirement, as well as women seeking to gain control of their financial lives. Please connect with me for more information at michelle.schonberg@morganstanley.com or 973-425-2342. 