Ronia Dolabany
Associate Private Banker
My Mission Statement
Guide you to build, grow, and preserve your generational wealth
My Story and Services
As a financial advisor, Carolina Silva (she/her/hers) runs a wealth management practice for high-net-worth individuals, including their families and businesses.
Over 75% of Carolina’s clients are diverse, as her practice focuses on communities like her own, serving Women, Latinos, and the LGBTQ+ community and allies.
She focuses on delivering a comprehensive approach to managing wealth, starting with listening to a client’s needs and ensuring every strategy is grounded in understanding what each client wants to achieve. Carolina provides access to the investment insights and capabilities of Morgan Stanley, helping address the various aspects of her clients’ financial lives. She is passionate about delivering excellent service and helping her clients pursue their goals.
She follows Morgan Stanley’s tradition of being an active and engaged participant in the communities she serves.
• Carolina is the Founder and Co-Chair of Morgan Stanley’s EDGE Committee – a Diversity & Inclusion initiative sought to achieve Excellence in Diversity through Growth and Empowerment for Financial Advisor Associates within the NY Metro Region.
• After serving as the President of the Alumni Board of Directors for her alma mater, Wagner College, Carolina serves as the youngest Board of Trustee in the history of the college.
• Carolina serves as the Co-Chair of OPEN Finance, a New York-based nonprofit that advocates for LGBTQ+ equality and diversity in the financial services sector.
• Carolina chaired the 2018 Annual Action Awards for Athlete Ally, a nonprofit organization focused on ending homophobia and transphobia in sports through education and awareness – a mission especially meaningful to her after playing Division I water polo for her alma mater.
• Carolina continues to play water polo competing for the New York Athletic Club, where she formerly served as the team captain for three years.
Carolina lives in Brooklyn with her wife, Ashley, a NCAA Division I basketball referee working for the NBA as an NBA Referee Trainee, and their two rescue dogs, Sofia and Tinto.
Over 75% of Carolina’s clients are diverse, as her practice focuses on communities like her own, serving Women, Latinos, and the LGBTQ+ community and allies.
She focuses on delivering a comprehensive approach to managing wealth, starting with listening to a client’s needs and ensuring every strategy is grounded in understanding what each client wants to achieve. Carolina provides access to the investment insights and capabilities of Morgan Stanley, helping address the various aspects of her clients’ financial lives. She is passionate about delivering excellent service and helping her clients pursue their goals.
She follows Morgan Stanley’s tradition of being an active and engaged participant in the communities she serves.
• Carolina is the Founder and Co-Chair of Morgan Stanley’s EDGE Committee – a Diversity & Inclusion initiative sought to achieve Excellence in Diversity through Growth and Empowerment for Financial Advisor Associates within the NY Metro Region.
• After serving as the President of the Alumni Board of Directors for her alma mater, Wagner College, Carolina serves as the youngest Board of Trustee in the history of the college.
• Carolina serves as the Co-Chair of OPEN Finance, a New York-based nonprofit that advocates for LGBTQ+ equality and diversity in the financial services sector.
• Carolina chaired the 2018 Annual Action Awards for Athlete Ally, a nonprofit organization focused on ending homophobia and transphobia in sports through education and awareness – a mission especially meaningful to her after playing Division I water polo for her alma mater.
• Carolina continues to play water polo competing for the New York Athletic Club, where she formerly served as the team captain for three years.
Carolina lives in Brooklyn with her wife, Ashley, a NCAA Division I basketball referee working for the NBA as an NBA Referee Trainee, and their two rescue dogs, Sofia and Tinto.
Services Include
- LGBT+ Planning ServicesFootnote1
- Wealth PlanningFootnote2
- Alternative InvestmentsFootnote3
- Executive Financial ServicesFootnote4
- Estate Planning StrategiesFootnote5
- Sustainable InvestingFootnote6
- Donor Advised Funds
- Cash Management and Lending ProductsFootnote7
- Financial PlanningFootnote8
- Retirement PlanningFootnote9
Securities Agent: AL, WA, FL, CT, SD, CA, MO, GA, TX, NJ, MA, OR, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1587499
NMLS#: 1587499
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
Women
Carolina is passionate about advocating for all women in all walks of life.
As of March 2024, over 50% of Carolina’s clients are women. These women are the financial decision-makers of their household, whether they are single, married, divorced, or widowed. Through a consultative partnership, Carolina helps her clients address the unique challenges women face when building their wealth and creates a structured plan to support them in achieving their financial goals.
Carolina believes in financial empowerment. She helps women grow and protect their wealth by providing educational events through her ‘Women and Wealth’ seminar series, covering topics such as:
• Modern Financial Planning for the Modern Woman
• Your Guide to Financial & Economic Empowerment
• Investing 101
• Fashion and Finance
• First Time Home Buyers
• Adulting 101
In addition to hosting her own events, Carolina is a frequent featured speaker for organizations, conferences, and women’s networks, including the New York Junior League, Modern Healthcare’s Women Leaders Conference, and Girl Scouts of the USA.
As of March 2024, over 50% of Carolina’s clients are women. These women are the financial decision-makers of their household, whether they are single, married, divorced, or widowed. Through a consultative partnership, Carolina helps her clients address the unique challenges women face when building their wealth and creates a structured plan to support them in achieving their financial goals.
Carolina believes in financial empowerment. She helps women grow and protect their wealth by providing educational events through her ‘Women and Wealth’ seminar series, covering topics such as:
• Modern Financial Planning for the Modern Woman
• Your Guide to Financial & Economic Empowerment
• Investing 101
• Fashion and Finance
• First Time Home Buyers
• Adulting 101
In addition to hosting her own events, Carolina is a frequent featured speaker for organizations, conferences, and women’s networks, including the New York Junior League, Modern Healthcare’s Women Leaders Conference, and Girl Scouts of the USA.
LGBTQ+
As of March 2024, over 25% of Carolina’s clients identify as LGBTQ+. As part of the LGBTQ+ community herself, Carolina knows firsthand their unique needs. All too often people think that after marriage equality, the fight ended, we won. For those of us in the community, we know that this is far from the truth. While marriage equality pushed the conversation forward from domestic partnerships and nuances of estate planning, the LGBTQ+ population must address unique financial planning needs, such as out-of-pocket health care expenses for family planning and gender affirmation surgeries.
As an active leader within the firm, Carolina was a featured speaker on Morgan Stanley Wealth Management’s Inclusion of Wealth Series on "Serving LGBTQ+ Clients” to educate financial advisors across the country on how to serve the unique needs of the community. In addition, Carolina co-chairs the Morgan Stanley Global Pride & Ally Client Advisory Group, a strategic initiative looking to engage with LGBTQ+ clients firmwide.
Carolina advocates for the LGBTQ+ community in many ways:
• She serves as the co-chair of OPEN Finance, a New York-based nonprofit that drives forward LGBTQ+ equality and diversity in the financial services sector.
• Carolina chaired the 2018 Annual Action Awards for Athlete Ally, a nonprofit organization focused on ending homophobia and transphobia in sports through education and awareness.
As a featured speaker for LGBTQ+ organizations and employee networks, Carolina has presented on topics such as Modern Family Planning and Empowering the LGBTQ+ Investor.
As an active leader within the firm, Carolina was a featured speaker on Morgan Stanley Wealth Management’s Inclusion of Wealth Series on "Serving LGBTQ+ Clients” to educate financial advisors across the country on how to serve the unique needs of the community. In addition, Carolina co-chairs the Morgan Stanley Global Pride & Ally Client Advisory Group, a strategic initiative looking to engage with LGBTQ+ clients firmwide.
Carolina advocates for the LGBTQ+ community in many ways:
• She serves as the co-chair of OPEN Finance, a New York-based nonprofit that drives forward LGBTQ+ equality and diversity in the financial services sector.
• Carolina chaired the 2018 Annual Action Awards for Athlete Ally, a nonprofit organization focused on ending homophobia and transphobia in sports through education and awareness.
As a featured speaker for LGBTQ+ organizations and employee networks, Carolina has presented on topics such as Modern Family Planning and Empowering the LGBTQ+ Investor.
Latinos
Carolina had the privilege of growing up in the Latin melting pot of South Florida. She was the only American-born member of her family, who emigrated from Colombia, and strongly identifies with her latinidad. As a native Spanish speaker, Carolina understands the importance of doing business in one’s native tongue. She is passionate about serving clients in the Latino community as it allows her to feel close to her roots. She works with clients spanning the entire east coast, from Manhattan to Miami.
Given her background and extensive global travels, Carolina has embraced the cultural differences across nationalities and understands the cultural differences between how mainstream Wall Street and Latinos look to grow wealth for their families, businesses, and personal goals. “One of the unique aspects of working with the Latin community is seeing how cross-cultural values translate into their financial picture. Not only do we work together to help clients build their wealth, we see the importance of preserving intergenerational wealth as clients balance taking care of extended family in their home country while establishing roots in the United States.”
Carolina’s commitment to the Latino community goes beyond her clients as she serves as the Co-Chair of Morgan Stanley Association of Latino Professionals for America (MS ALPFA), a group committed to attract, develop, and retain Latino talent and foster Morgan Stanley’s commitment to diversity and inclusion.
In addition to being a frequent guest speaker for ALPFA, Carolina has presented for Latinx organizations and employee networks on topics such as Financial Strategies for the Latinx Community, Common Cents, and Impact Investing.
Given her background and extensive global travels, Carolina has embraced the cultural differences across nationalities and understands the cultural differences between how mainstream Wall Street and Latinos look to grow wealth for their families, businesses, and personal goals. “One of the unique aspects of working with the Latin community is seeing how cross-cultural values translate into their financial picture. Not only do we work together to help clients build their wealth, we see the importance of preserving intergenerational wealth as clients balance taking care of extended family in their home country while establishing roots in the United States.”
Carolina’s commitment to the Latino community goes beyond her clients as she serves as the Co-Chair of Morgan Stanley Association of Latino Professionals for America (MS ALPFA), a group committed to attract, develop, and retain Latino talent and foster Morgan Stanley’s commitment to diversity and inclusion.
In addition to being a frequent guest speaker for ALPFA, Carolina has presented for Latinx organizations and employee networks on topics such as Financial Strategies for the Latinx Community, Common Cents, and Impact Investing.
Awards & Recognition
Morgan Stanley Pacesetters 2022, 2023, 2024
The Morgan Stanley Pacesetter's Club is a group of the Firm’s Financial Advisors who demonstrate the highest professional standards, first class client service, and set the standard of growth for early-stage Financial Advisors.
ALPFA Pride Award 2024
The Pride+ Award recognizes ALPFA members or partners who have been champions of diversity within the Latino community and their organizations. The Pride+ award looks to recognize individuals for encouraging allyship, education, and mentorship to PRIDE community members at ALPFA and in their workplaces.
Forbes Best-In-State Wealth Management Team 2023, 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023 and 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22 and 3/31/22-3/31/23.
Source: Forbes.com (Awarded Jan 2023 and 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22 and 3/31/22-3/31/23.
Bank of America Global Diversity and Inclusion Award, 2018
Investment News, Woman to Watch, Rising Star Award 2022
INVESTMENT NEWS WOMEN TO WATCH RISING STAR Source: INVESTMENT NEWS (Awarded NOVEMBER 2022) Data compiled by INVESTMENT NEWS based on time period from 06/15/2022 – 08/19/2022.
Wagner College Women Who Inspire, 2018
Power of the Athlete's Mindset
Carolina is passionate about driving diversity, equity, and inclusion across the financial services industry. In this interview, a Morgan Stanley senior leader asks Carolina about her experience as a financial advisor. Carolina attributes her success to her experience as a competitive water polo player and encourages other women athletes to pursue a career in wealth management.
Watch Now
Skimm Money: LGBTQ+ Financial Planning
To learn more about how financial planning may look different for LGBTQ+ folks, Carolina explains how family dynamics and health care can impact LGBTQ folks’ personal finances. Plus, she shares her tips for how to build wealth.
Full ArticleOUR PROCESS, YOUR GOALS
Carolina is dedicated to each and every one of her clients, providing excellent long-term relationships and helping her clients define and achieve their financial goals. Please reference her suite of resources to schedule a meeting, or learn more about Carolina and her process.
How to Schedule an Introductory Meeting with Carolina Silva
- On the top of the webpage, select "Schedule Meeting"
- Select "Continue as Guest"
- For Purpose of your meeting select "Introductory Meeting"
- For Meeting Type select "Zoom Meeting"
- For Description, feel free to share anything you'd like me to know prior to meeting
- Provide your personal information
- Select a time that works best for you
- Add Meeting Reminders - you can send an email reminder for the meeting and text message notifications.
What to Expect for Our First Meeting
- How can we help you? What motivated you to schedule this meeting?
- What are you looking for in working with a financial advisor? What does a relationship with a financial advisor look like to you?
- Our Process
- Our Fee Structure
A. Brokerage
B. Financial Plan Only
C. Investment Advisory - Next Steps
How to Prepare for Our First Meeting
- Consider Your Goals - What are you looking to achieve?
- What are you looking for in working with a Financial Advisor? What does a relationship with a financial advisor look like to you?
- Know Your Numbers
A. What do you own? Financial Statements - Consider Investment Accounts, Retirement Accounts, Savings Accounts, Stock Options and Grants, Real Estate, etc.
B. What do you owe? Amount, interest rate, term, etc. Liabilities information: Mortgage statements, credit lines, student loans, personal loans, other liabilities
C. What does your cash flow look like? How much money do you make vs. spend vs. save?
My Process
- Introductory Meeting - This is the opportunity to share your current situation and your goals in working with Carolina Silva as your financial advisor.
- Understanding Meeting - Carolina will take the time to learn more about your goals, objectives, and financial picture.
- Recommendation Meeting - After reviewing your information, Carolina will provide observations and recommendations tailored to you.
- Onboarding Meeting - Carolina will walk you through the Morgan Stanley onboarding process.
- Investment Implementation Meeting - Carolina will review investment recommendations with you prior to final implementation.
- Client Review Meeting - This is the opportunity to review your investments and financial picture on an ongoing basis.
Featured Speaker Requests & Inquiries
Interested in having Carolina as a featured speaker at your event, firm, organization, or conference?
Learn more about speaking topics here:
Wealth Wednesdays Webinars
The Psychology of Money
Your perceptions, biases and emotions about money can
affect the financial decisions you make. Understanding
the complex dynamics of your relationship with wealth
and developing strategies for making objective decisions
can help you manage your wealth more wisely.
Join us for an informative seminar where we will explore:
Your relationship with money
How emotions affect your money habits
Strategies for changing the way you think, feel and act
about money
Click Here to Registeraffect the financial decisions you make. Understanding
the complex dynamics of your relationship with wealth
and developing strategies for making objective decisions
can help you manage your wealth more wisely.
Join us for an informative seminar where we will explore:
Your relationship with money
How emotions affect your money habits
Strategies for changing the way you think, feel and act
about money
The Fundamentals of Investing
Learning the Basics of Creating Your Portfolio
Investing can be complicated and overwhelming.
Understanding the fundamentals of investing can help you make sense of the risks and opportunities associated with investing so you can make more informed—and more confident—decisions about your portfolio.
Join us for an informative seminar, where we will explore:
The major asset classes
The basic tenets of investing
The importance of asset allocation and diversification
How to bring it all together in a portfolio that helps you
achieve your financial goals
Click Here to RegisterInvesting can be complicated and overwhelming.
Understanding the fundamentals of investing can help you make sense of the risks and opportunities associated with investing so you can make more informed—and more confident—decisions about your portfolio.
Join us for an informative seminar, where we will explore:
The major asset classes
The basic tenets of investing
The importance of asset allocation and diversification
How to bring it all together in a portfolio that helps you
achieve your financial goals
Home Buying
Buying a home is a major personal milestone.
Like all big decisions, home buying requires you to put careful thought into answering some important questions:
Does home ownership make sense for me?
How do I navigate the process?
How will I finance my new home?
At Morgan Stanley, we offer the knowledgeable
guidance necessary to help you make informed decisions throughout the home buying process.
Join us for an informative seminar where we will highlight the financial advantages and potential risks of home
ownership and walk you through the key steps of buying a home, including your options for financing.
Click Here to RegisterLike all big decisions, home buying requires you to put careful thought into answering some important questions:
Does home ownership make sense for me?
How do I navigate the process?
How will I finance my new home?
At Morgan Stanley, we offer the knowledgeable
guidance necessary to help you make informed decisions throughout the home buying process.
Join us for an informative seminar where we will highlight the financial advantages and potential risks of home
ownership and walk you through the key steps of buying a home, including your options for financing.
Equity Compensation 101
Equity compensation can be one of the most valuable—and misunderstood—benefits.
When you know how your company’s stock plan works, you may be able to more effectively incorporate equity compensation into your broader financial toolkit and use it to help achieve your goals.
Join to learn more about the different types of equity compensation and how your compensation fits into your overall goals and financial strategy.
Click Here to RegisterWhen you know how your company’s stock plan works, you may be able to more effectively incorporate equity compensation into your broader financial toolkit and use it to help achieve your goals.
Join to learn more about the different types of equity compensation and how your compensation fits into your overall goals and financial strategy.
Intro to Commute with Carolina
I am launching a "Commute with Carolina" video series where I will share with you all my #CommuterThoughts on how you can build your generational wealth while I walk to the office.
Click Here to Watch
The Fundamentals of Financial Planning
Financial planning is a key way to understand where you are, where you want to go, and how to get there for any of your financial goals.
Click Here to Watch
The 50-30-20 Rule
The 50-30-20 Rule is the golden rule of budgeting to help you assess how you could be allocating your cash flow.
Click Here to Watch
The Psychology of Money Overview
Over the next few videos we will be exploring “The Psychology of Money” and see how your mindset and emotions can impact how you build, grow, and preserve your generational wealth.
Click Here to Watch
Financial Personality Types
Your mindset and emotions can impact how you build, grow, and preserve your generational wealth. Understanding your habits is the first step!
Click Here to Watch
Emotions and Feelings Around Money
What role do emotions play in managing your wealth?
Are there situations where your feelings should influence your decisions?
Click Here to WatchAre there situations where your feelings should influence your decisions?
The Pursuit of Wealth
*Radical question* Can the pursuit of wealth be ineffective?
Click Here to Watch
Working with a Financial Advisor
What does a relationship with a financial advisor look like to you?
In this episode of Commute with Carolina, we explore what it means to work with a financial advisor.
Click Here to WatchIn this episode of Commute with Carolina, we explore what it means to work with a financial advisor.
Location
399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 893-7625(212) 893-7625
Hear from Our Clients
Carolina has been instrumental in helping us plan through major life events, and give us confidence financially when doing so. We trust her and have seen her operate at the highest levels of professional ethics, in addition to having our best interests at heart. It gives us a lot of confidence as we navigate major milestones. We couldn’t be happier!
Mai
Verified ClientDecember 5, 2024
I am very grateful for Carolina’s guidance. She has been instrumental in helping my partner and I navigate complex financial decisions and develop a clear financial plan tailored to our LGBTQIA+ family’s unique needs and aspirations. Her professionalism, anticipation of our needs, and ability to break down complex financial concepts into understandable terms have been invaluable and I look forward to continuing our collaboration.
Charlotte
Verified ClientDecember 4, 2024
My husband and I tried to learn financial planning on our own and felt proud of our finances until working with Carolina. She took the time to get to know us personally to understand our needs, and our fears and presented us with recommendations to help us achieve a more stable future. Switching our investments to what Carolina recommended was easy. The results speak volumes about how knowledgeable Carolina is and how through her, we can benefit from all Morgan Stanley has to offer.
Sara
Verified ClientNovember 17, 2024
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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
Colin Brady, CFP®
Financial Planning Director, Vice President
Daniel Baez
Planning Associate
About Ronia Dolabany
Ronia Dolabany is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Ronia joined Morgan Stanley in 2021 as a Wealth Management Branch Analyst serving Morgan Stanley’s Wealth Management offices in the Philadelphia Complex.
Ronia is a graduate of the Hofstra University, where she received a Bachelor of Business Administration with a concentration in International Business and a minor in Finance, as well as a Bachelor of Science in Economics with a concentration in Global Business from Dongbei University of Finance and Economics.
She lives in New York City, New York. Outside of the office, Ronia volunteers with Bridges to Community, Glasswing International, and Frutos Del Cielo, all non-profit organizations focused on improving health, education, housing, and economic development for communities globally. In her free time, she enjoys traveling, spending time with family, cooking and trying new restaurants. Ronia also enjoys playing tennis, and was the Captain of Hofstra University’s Division 1 Women’s Tennis Team.
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.
Ronia joined Morgan Stanley in 2021 as a Wealth Management Branch Analyst serving Morgan Stanley’s Wealth Management offices in the Philadelphia Complex.
Ronia is a graduate of the Hofstra University, where she received a Bachelor of Business Administration with a concentration in International Business and a minor in Finance, as well as a Bachelor of Science in Economics with a concentration in Global Business from Dongbei University of Finance and Economics.
She lives in New York City, New York. Outside of the office, Ronia volunteers with Bridges to Community, Glasswing International, and Frutos Del Cielo, all non-profit organizations focused on improving health, education, housing, and economic development for communities globally. In her free time, she enjoys traveling, spending time with family, cooking and trying new restaurants. Ronia also enjoys playing tennis, and was the Captain of Hofstra University’s Division 1 Women’s Tennis Team.
NMLS#: NMLS# 2437365
About Colin Brady
Colin Brady is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management office at 399 Park Ave in New York City. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.
Colin graduated from Pace University and holds his Certified Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.
Colin graduated from Pace University and holds his Certified Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
About Daniel Baez
Daniel Baez Fernandez is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Daniel provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from St. John’s University and received the Financial Planning Specialist® designation from the College for Financial Planning. Daniel is originally from Plainview, New York and currently resides in Bethpage, New York.
He earned his undergraduate degree from St. John’s University and received the Financial Planning Specialist® designation from the College for Financial Planning. Daniel is originally from Plainview, New York and currently resides in Bethpage, New York.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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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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.
Ready to start a conversation? Contact Carolina Silva today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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
8Morgan 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.
9When 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.
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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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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
8Morgan 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.
9When 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.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures
CRC 6491812 (04/2024)
