Chad D. Gruett

Financial Advisor at Morgan Stanley. Please visit my website for additional information. NMLS #1537251 CA Insurance License #: 0E65146

[Chad D. Gruett @CGruettMS]

Patterns suggest that common match formulas aren't maximizing participation or retirement readiness... https://t.co/ftmNLK7P1T

[Chad D. Gruett @CGruettMS]

Employees need practical, personalized support that reflects their full financial picture, including budgeting, emergency savings, debt management, healthcare costs and retirement planning. Message me for details on how we can help! https://t.co/Hm28WLHD0k

[Chad D. Gruett @CGruettMS]

Despite being the better option for a lot of plan participants, the Roth 401(k) remains grossly underutilized. Maybe it's time to re-examine the default? https://t.co/2RwiOzCcwU

[Chad D. Gruett @CGruettMS]

This weekend, we pause to remember and honor the brave men and women who made the ultimate sacrifice in service to our country. Their courage and dedication allow us the freedoms we enjoy today. Wishing everyone a meaningful and reflective Memorial Day.

[Chad D. Gruett @CGruettMS]

Spouses who don't ask one question — "your 401(k) or mine?" — could be losing out on retirement money... https://t.co/ytLXr7Bb1u

[Chad D. Gruett @CGruettMS]

Happy Mother's Day to all the amazing moms out there, especially my wife.

Thank you all for everything you do each day to support, care for, and strengthen our family. Wishing all mothers a well-deserved day of appreciation and celebration!

[Chad D. Gruett @CGruettMS]

New LIMRA research shows healthcare costs, chronic illness, and long-term care pose the biggest financial risks in retirement—yet most Americans remain dangerously underprepared... https://t.co/NlQ0URM4i5

[Chad D. Gruett @CGruettMS]

Investors have been buffeted by anxieties this year. But we think one of them -- the pain in private credit -- may be near its peak. https://t.co/6bCs5qcog8

[Chad D. Gruett @CGruettMS]

Eligible employees are increasingly missing out on retirement saving opportunities, largely because they do not understand their workplace plans or how to get started. https://t.co/LIFtn1yvgu

[Chad D. Gruett @CGruettMS]

War-induced oil shocks have not been kind to the equity markets in the past. Yet, since the invasion of Iran, US equities have been relatively resilient. How is this time different? https://t.co/lZyuEcUPRm

[Chad D. Gruett @CGruettMS]

What could military escalation with Iran mean for the markets and your investments? Learn more from our strategists. https://t.co/3fHLvgLEES

[Chad D. Gruett @CGruettMS]

While many fiduciary responsibilities can be delegated, plan sponsors can never be entirely free of them. https://t.co/ybIrQTwUDu

[Chad D. Gruett @CGruettMS]

Despite high expectations, 2026 is off to a frustrating start. What happened? The answer may lie in the massive sector and factor rotations happening beneath the surface. https://t.co/8uUppzlcub

[Chad D. Gruett @CGruettMS]

A court ruling can change the playbook, but it doesn't end the game. Tariffs are still a key lever, and markets are recalibrating what they mean for growth, inflation, and rates. https://t.co/bWNrrY6iSS

[Chad D. Gruett @CGruettMS]

Regulatory clarity and evolving fund structures are increasing private market exposure in retirement plans, but experts say prudence, process and education must keep pace. https://t.co/x1HC7Bzd5v

[Chad D. Gruett @CGruettMS]

Another example of why it's so important to keep your beneficiary information up-to-date! https://t.co/1C5DdsUtnz

[Chad D. Gruett @CGruettMS]

Well over half of the recoveries, at $714.4 million, were from the agency's enforcement actions, derived from 556 civil investigations out of the 878 it closed. https://t.co/iqEiaWdEmZ

[Chad D. Gruett @CGruettMS]

Those retiring at age 65 in 2024 can expect to live for nearly 20 years in #retirement, according to a new report... https://t.co/s1B0ddR5jS

[Chad D. Gruett @CGruettMS]

Wishing everyone a happy and healthy New Year!

[Chad D. Gruett @CGruettMS]

New year, new financial you. Discover five simple steps to help you stay on track toward your financial goals in 2026. https://t.co/8QuQcCeYlZ