Isabelle Choy is a financial advisor at Morgan Stanley with three years of industry experience. She has previously worked at Goldman Sachs & Co. LLC and Bank of America Private Bank. Her credentials include Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment modeling techniques but does not provide individual security recommendations as part of standalone planning.

Michael Guarnaccia is a Series 66-licensed financial advisor with Morgan Stanley in New York, NY, with 20 years of industry experience. He has worked at Morgan Stanley since 2009 and has been part of Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Matheo Dwyer is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation with one year of industry experience. His prior work includes positions at Tradelink LLC and Turin Bicycle. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools.

Paul Azzaretto is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process utilizing firm-approved tools and modeling techniques.

Nikolai Taylor is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Bank of America and Merrill from 2015 to 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Dennis Cutrone is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 65 credentials and with 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a board member of the Huntington Crescent Club, a country club in Huntington, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through various retail and institutional channels.

Jeremy Cohen is a financial advisor at Morgan Stanley with five years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market-based modeling techniques.

Robert Bottoni is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation with five years of industry experience. His prior roles include positions at American Capital Partners, LLC and the Town of Huntington. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured planning tools and firm-approved processes. The firm manages approximately $2.74 trillion in client assets and delivers services directly and through corporate financial planning agreements.

Frank La Ferlita is a financial advisor at Morgan Stanley in New York, NY, holding Series 63 and Series 65 licenses with four years of industry experience. His prior experience includes roles at C7 Advisors, Trust Capital Markets, Allied Millennial Partners, and positions at the University of Arizona and Xavier High School. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and modeling techniques.

Josephine Cottone is a financial advisor at Morgan Stanley in New York, NY, holding a Series 63 designation and with 33 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she is a partial owner of a rental property in Brooklyn, NY. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and models, with approximately $2.74 trillion in client assets under management.

Julie Love is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been associated with Morgan Stanley Private Bank, National Association since 2015 and previously with Morgan Stanley Smith Barney starting in 2009. She holds the Series 63, Series 65, and Series 66 designations. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Matthew Mckeefrey is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation with eight years of industry experience. He has worked at Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and committee insights.

Emily Lee is a Series 66 registered financial advisor at Morgan Stanley in New York, NY, with 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools.

Joshua Berman is a financial advisor with Morgan Stanley in New York, NY, holding the Series 63 and Series 65 licenses and possessing 16 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Berman is involved as an investor and partner in several hospitality ventures, including restaurants and nightlife businesses in New York City. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Lisette Montalvo is a financial advisor with Morgan Stanley in New York, NY, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Eric Schwartz is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley and its Private Bank N.A. division since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies such as Secular Return Estimates and Monte Carlo simulations to assist clients in their financial planning.

Annamarie Priolo is a CFP® professional with 26 years of experience, currently serving at Morgan Stanley in New York, NY. She has held roles at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Outside of her primary duties, she acts as a trustee and co-trustee for a trust based in Jacksonville, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Kevin Hynson is a financial advisor at Morgan Stanley in New York, NY, with seven years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including Monte Carlo simulations, while generally acting in an advisory capacity for financial plans.

Elias Daniello is a financial advisor at Morgan Stanley in New York, NY, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and has prior work experience in remodeling and the beverage industry. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Michael Mcternan is a Certified Financial Planner® (CFP®) with 14 years of experience in the financial services industry. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following previous roles at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. from 2013 to 2020. He is affiliated with Morgan Stanley Wealth Management, an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs and financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and provides planning supported by firm-approved tools and methodologies.