Maricris Felicidario
Private Banker
Carol Ejailat, QPFC, CPWA®, CFA®
Vice President, Wealth Management,
Financial Advisor,
Alternative Investments Director,
Chartered Financial Analyst,
Certified Private Wealth Advisor®,
Portfolio Manager,
Financial Planning Specialist
Direct:
(713) 965-5016(713) 965-5016
Toll-Free:
(800) 231-0060(800) 231-0060
My Mission Statement
Together we will develop and execute a strategy that’s your own, while building a relationship you can trust. My goal is to understand you and help you with holistic financial planning solutions to simplify your life with confidence.
My Story and Services
Carol has extensive experience living and working internationally. She was born and raised in Jordan, where she received her Bachelor of Business Administration degree with Honors from the University of Jordan. Soon after getting married, she started her career in the finance industry in Qatar, where she joined HSBC Bank in 1998. She later moved with her family and worked with HSBC Abu Dhabi in 2007, and HSBC Bahrain in 2009.
Throughout her 12-year tenure with HSBC, she held various roles including managing the HSBC Global Premier Centers which catered to serving high-net-worth clients in various countries, in 2008, Carol was one of 33 individuals named Global Employee Crown of Local Heroes by the HSBC Group CEO, a global HSBC recognition program.
Inspired by this international experience and moving with her family to a permanent assignment in Houston, Carol has joined the CFA Houston Society, completed the Chartered Financial Analyst program, and was awarded the Global designation in 2016. Carol joined Morgan Stanley in 2017. Carol is actively focused on developing strategic relationships that add breadth and depth to services she provides. She is passionate about developing customized financial plans that includes goals-specific analysis that help prepare families and individuals for a successful financial future. In 2021, Carol obtained the Certified Private Wealth Advisor® certification, which is an advanced professional certification for advisors who seek the latest, most advanced knowledge and techniques to address high-net-worth clients’ sophisticated financial needs. Since 2022, Carol has been included as a member of the Pacesetter’s Club, a global Morgan Stanley recognition program. In 2023, Carol has been included as member of the Alternative Investments Director Designation Program. Carol was granted the Qualified Plan Financial Consultant credential by National Association of Plan Advisors.
Carol is married to Ashraf with whom she has two boys. Ziad graduated from Texas A&M University with a mechanical engineering degree and is working full time, and Jad is a Senior at Texas A&M College of Engineering. Carol attends St. George Orthodox Church and is an active member of the Ladies Alter Society and devotes time to different charitable projects in her community.
Outside of the office, Carol enjoys social gatherings and planning her family vacations internationally. She also enjoys cooking middle eastern cuisines, dance and fitness, and learning new languages. She is fluent in Arabic and limited in Spanish and French.
Throughout her 12-year tenure with HSBC, she held various roles including managing the HSBC Global Premier Centers which catered to serving high-net-worth clients in various countries, in 2008, Carol was one of 33 individuals named Global Employee Crown of Local Heroes by the HSBC Group CEO, a global HSBC recognition program.
Inspired by this international experience and moving with her family to a permanent assignment in Houston, Carol has joined the CFA Houston Society, completed the Chartered Financial Analyst program, and was awarded the Global designation in 2016. Carol joined Morgan Stanley in 2017. Carol is actively focused on developing strategic relationships that add breadth and depth to services she provides. She is passionate about developing customized financial plans that includes goals-specific analysis that help prepare families and individuals for a successful financial future. In 2021, Carol obtained the Certified Private Wealth Advisor® certification, which is an advanced professional certification for advisors who seek the latest, most advanced knowledge and techniques to address high-net-worth clients’ sophisticated financial needs. Since 2022, Carol has been included as a member of the Pacesetter’s Club, a global Morgan Stanley recognition program. In 2023, Carol has been included as member of the Alternative Investments Director Designation Program. Carol was granted the Qualified Plan Financial Consultant credential by National Association of Plan Advisors.
Carol is married to Ashraf with whom she has two boys. Ziad graduated from Texas A&M University with a mechanical engineering degree and is working full time, and Jad is a Senior at Texas A&M College of Engineering. Carol attends St. George Orthodox Church and is an active member of the Ladies Alter Society and devotes time to different charitable projects in her community.
Outside of the office, Carol enjoys social gatherings and planning her family vacations internationally. She also enjoys cooking middle eastern cuisines, dance and fitness, and learning new languages. She is fluent in Arabic and limited in Spanish and French.
Services Include
Securities Agent: CA, MO, LA, ID, AZ, AR, TX, CO, DC, IN, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1643905
NMLS#: 1643905
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At Morgan Stanley, we provide guidance that goes beyond your investment portfolio, our goal is to help you manage your financial life and provide you with a framework that makes the connection between your life goals and what you want to achieve and your financial resources. Our integrated platform ties goals to implementation, leveraging the intellectual capital and sophisticated institutional capabilities of Morgan Stanley.
My goal is to bring all these incredible resources that I have at my disposal to you and your family to turn your financial vision into reality. You will have confidence knowing that your investment strategy can be adjusted as life changes occur. I do this through adhering to our goal based wealth management process. Let me walk you through my process and how I work with clients:
My goal is to bring all these incredible resources that I have at my disposal to you and your family to turn your financial vision into reality. You will have confidence knowing that your investment strategy can be adjusted as life changes occur. I do this through adhering to our goal based wealth management process. Let me walk you through my process and how I work with clients:
Step 1: Discovery Meeting
Our relationship starts with a thorough understanding of you and your needs, your lifestyle, your family and what is important to you. My goal is to have a better understanding of your financial goals and what you want to achieve, so I can have a clear picture of your financial vision.
With the gathered information, I use advanced technology platforms to consolidate information of your current assets, liabilities, and investments. What that means to you is that we you will have an aggregate view of all your financial picture in one place.
With the gathered information, I use advanced technology platforms to consolidate information of your current assets, liabilities, and investments. What that means to you is that we you will have an aggregate view of all your financial picture in one place.
Step 2: Develop a Strategy
We will conduct an analysis and together we will work on different scenarios and tailor solutions by advising you on the appropriate strategies that can help you meet your most important goals in the desired time frame. The benefit to you, is having a wealth strategy that is truly customized to your unique situation.
There will be a thorough retirement analysis where we will work together on a plan to help you achieve the retirement lifestyle you imagine, when you want that to happen and ensure you do not run out of money.
There will also be an asset allocation analysis. The benefit to you is that you will have a portfolio that is properly allocated and aligned with your objectives and risk tolerance to ensure you are well positioned for the road ahead.
There will be a thorough retirement analysis where we will work together on a plan to help you achieve the retirement lifestyle you imagine, when you want that to happen and ensure you do not run out of money.
There will also be an asset allocation analysis. The benefit to you is that you will have a portfolio that is properly allocated and aligned with your objectives and risk tolerance to ensure you are well positioned for the road ahead.
Step 3: Implement the Strategy
We will explore accounts and products to help meet your spending needs and invest tax efficiently. As you change, so does your financial situation, we can sit down and make any necessary adjustments based on any opportunities or improvements within your financial strategy.
Step 4: Monitor and Track Progress
I have an ongoing commitment to help monitor the progress of your plan in real time. We perform a review of your spending and savings to determine if you are making progress towards your goals and recommend adjustments needed according to your needs, life events and changing market conditions to make sure you stay on track to achieve your goals
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2025 Pacesetter's Club at Morgan StanleyDesignations
Designations2024 Five Star Wealth Manager Award
2024 Award Announcement Letter
2024 Award Announcement Letter2024 Five Star Professional Disclosures
2024 Five Star Professional DisclosuresCYBERSECURITY & FRAUD PROTECTION
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2800 Post Oak Blvd 18th
Fl
Houston, TX 77056
US
Direct:
(713) 965-5016(713) 965-5016
Toll-Free:
(800) 231-0060(800) 231-0060
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
Frank Vatuna
Associate Private Banker
David Julian, CFP®
Financial Planning Director, Vice President
David Julian, CFP®
Financial Planning Director, Vice President
Logan Mitchell, CFP®
Financial Planning Director, Associate Vice President
About Maricris Felicidario
Maricris Felicidario is a Private Banker serving Morgan Stanley Wealth Management offices in Texas.
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.
Maricris began her career in financial services in 1997, and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, she was a Senior Wealth Management Banker at Merrill Lynch. She also served as a Premier Client Manager at Bank of America.
Maricris lives in Houston, Texas. Outside of the office, she enjoys writing, photography, and traveling.
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.
Maricris began her career in financial services in 1997, and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, she was a Senior Wealth Management Banker at Merrill Lynch. She also served as a Premier Client Manager at Bank of America.
Maricris lives in Houston, Texas. Outside of the office, she enjoys writing, photography, and traveling.
NMLS#: 620169
About Frank Vatuna
Frank Vatuna is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Texas.
Associate Private Bankers partner with Private Bankers and 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.
Frank began his career in financial services in 1988, and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.
Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, TX with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
Associate Private Bankers partner with Private Bankers and 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.
Frank began his career in financial services in 1988, and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.
Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, TX with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
NMLS#: 620249
About David Julian
David W Julian, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Houston-Post Oak. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
David began his career in Financial Services in 2017 and joined Morgan Stanley in 2021. Prior to his current position, he practiced as an attorney in the areas of Estate, Trust, Bankruptcy, and Business Law.
David graduated from Hardin-Simmons University with a Bachelor of Behavioral Science in Psychology in 2008, from SMU Dedman School of Law with his Juris Doctor in 2014 and holds his Certified Financial Planner® designation. He lives in The Woodlands with his wife and two children and their COVID rescue dog, Moose. Outside of work, David enjoys vacationing with his family, Ultrarunning, and watching his favorite sports teams.
David began his career in Financial Services in 2017 and joined Morgan Stanley in 2021. Prior to his current position, he practiced as an attorney in the areas of Estate, Trust, Bankruptcy, and Business Law.
David graduated from Hardin-Simmons University with a Bachelor of Behavioral Science in Psychology in 2008, from SMU Dedman School of Law with his Juris Doctor in 2014 and holds his Certified Financial Planner® designation. He lives in The Woodlands with his wife and two children and their COVID rescue dog, Moose. Outside of work, David enjoys vacationing with his family, Ultrarunning, and watching his favorite sports teams.
About David Julian
David W Julian, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Houston-Post Oak. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
David began his career in Financial Services in 2017 and joined Morgan Stanley in 2021. Prior to his current position, he practiced as an attorney in the areas of Estate, Trust, Bankruptcy, and Business Law.
David graduated from Hardin-Simmons University with a Bachelor of Behavioral Science in Psychology in 2008, from SMU Dedman School of Law with his Juris Doctor in 2014 and holds his Certified Financial Planner® designation. He lives in The Woodlands with his wife and two children and their COVID rescue dog, Moose. Outside of work, David enjoys vacationing with his family, Ultrarunning, and watching his favorite sports teams.
David began his career in Financial Services in 2017 and joined Morgan Stanley in 2021. Prior to his current position, he practiced as an attorney in the areas of Estate, Trust, Bankruptcy, and Business Law.
David graduated from Hardin-Simmons University with a Bachelor of Behavioral Science in Psychology in 2008, from SMU Dedman School of Law with his Juris Doctor in 2014 and holds his Certified Financial Planner® designation. He lives in The Woodlands with his wife and two children and their COVID rescue dog, Moose. Outside of work, David enjoys vacationing with his family, Ultrarunning, and watching his favorite sports teams.
About Logan Mitchell
Logan Mitchell, CFP® is an Associate Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Houston-Post Oak. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Logan began her career in financial services as a Wealth Advisor Associate, at Morgan Stanley in 2019. She matriculated from that role to a Financial Advisor, and joined a team managing a book of business north of $200 million. In order to focus on more complex financial planning strategies, she switched to her current role in 2022.
Logan graduated from Howard University School of Business with honors, in 2018 and holds her Certified Financial Planner® designation. She lives in Memorial City, Houston with her family. When she is not playing with her 6-month-old daughter, she can be found working out, watching basketball, or spending time with her parents in Oklahoma.
Logan began her career in financial services as a Wealth Advisor Associate, at Morgan Stanley in 2019. She matriculated from that role to a Financial Advisor, and joined a team managing a book of business north of $200 million. In order to focus on more complex financial planning strategies, she switched to her current role in 2022.
Logan graduated from Howard University School of Business with honors, in 2018 and holds her Certified Financial Planner® designation. She lives in Memorial City, Houston with her family. When she is not playing with her 6-month-old daughter, she can be found working out, watching basketball, or spending time with her parents in Oklahoma.
Wealth Management
From My Desk
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A Change of Greenery
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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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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Family
Creating customized financial strategies for the challenges that today’s families face.
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Carol Ejailat today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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 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 www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
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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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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 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 www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
