Frank Hammad
Private Banker
Dimitri Chimerakis
Financial Advisor,
First Vice President, Wealth Management,
Insurance Planning Director,
Portfolio Manager
Direct:
(561) 776-6457(561) 776-6457
My Mission Statement
We provide exclusive and highly personalized financial services to a select group of clients, delivering a premium level of service built on trust, experience, and tailored guidance.
Simplifying Your Financial Life and Helping You Achieve Your Goals
True financial planning is not just about your investments, but also about listening and understanding what is truly important to you.
Our team has active and careful listeners who strive to serve you by leveraging the resources of one of the world’s largest and strongest financial institutions to ensure you get the personalized attention you need and the specialized service you deserve, along with strategies designed to meet the complexities of your situation.
Our goal is to make complex financial issues simple and to help you make sense of the global markets, risks and opportunities. We combine this insight with our
experience to help ensure you get the answers you need, the strategies that work and the professional advice you expect for your specific goals.
Our clients are individuals & families, business owners, service professionals, institutions, coaches & athletes, and others seeking to grow, protect and transfer the wealth they have worked hard to achieve.
Our team has active and careful listeners who strive to serve you by leveraging the resources of one of the world’s largest and strongest financial institutions to ensure you get the personalized attention you need and the specialized service you deserve, along with strategies designed to meet the complexities of your situation.
Our goal is to make complex financial issues simple and to help you make sense of the global markets, risks and opportunities. We combine this insight with our
experience to help ensure you get the answers you need, the strategies that work and the professional advice you expect for your specific goals.
Our clients are individuals & families, business owners, service professionals, institutions, coaches & athletes, and others seeking to grow, protect and transfer the wealth they have worked hard to achieve.
Securities Agent: NH, WA, DC, AZ, NJ, MI, MA, CO, OK, NC, ID, IA, IN, MO, KY, SC, AL, UT, OR, NY, MS, DE, LA, FL, CT, PA, ME, MD, TX, WI, VT, RI, IL, VA, TN, NV, ND, MT, CA, GA, OH, NM, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1552198
CA Insurance License #: CA Insurance #0K98897
NMLS#: 1552198
CA Insurance License #: CA Insurance #0K98897
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
While every client is different, we follow a general process to ensure that we address the most essential client needs and can make recommendations that are in their best interest.
Develop an understanding
Investing the time to understand your unique circumstances to identify, develop, and prioritize your financial goals.
“Plot” your starting point
Identify your current trajectory to identify and address weaknesses, and strengths.
Creating of a plan
Working with you we will develop a plan that improves upon your current trajectory in a way that works for you. We will craft a tailored Investing strategy and asset allocation designed to balance your short and long-term goals, protect you from the many different forms of risk and optimize your outcomes.
Formulation of Tax, Trust, and Estate Strategy
Working with your tax and legal advisors, we will help to analyze your tax and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Put the plan into action
We implement your plan utilizing strategies that will adjust for the unknowns the future brings. Working with your tax and legal advisors, we will help to analyze your tax and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Monitor and continuous refinement
We will provide timely updates and monitor your performance. At the end of the day most people want to know that they are on track, so as we review your plans we will maintain that focus so that you can know that you are on track, and if you are not, help you identify how to get back on track.
Upcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
Tax Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
How to Access Your Tax Forms
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click Here to Log In to Morgan Stanley Online1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Federal Tax Tables 2025
If you are interested in seeing the updated tax tables and other details for 2023, see all additional information here.
Click to See Tables
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Click to Read More
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Click to see here
Social Security Cola Increase
As of January 2023, Social Security Payments will go up by 8.7%. This is a result of the Social Security Administration adjusting benefit payments annual for inflation since 1975. To view the SSA fact sheet, see below.
Click to Learn More
Trusts
You can't take it with you, but through a trust, you can define how you want your life's work and wealth to continue to benefit the people and causes you love and care for.
Click to Learn More
Estate Planning
Estate planning can be an emotionally and financially complex task, but creating an estate plan can help protect your wealth and prevent hardship for your heirs.
Click to Learn More
Life After Selling a Business
Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.
Click to Learn More
Family Resources
Hidden risks abound. For affluent families, this can mean unwanted financial exposure. A simple risk assessment can go a long way to help close these gaps.
Click to Learn MoreClient Service Team
Sarah Dellolio - Sr. Registered Associate
Phone:
(561) 776-6477(561) 776-6477
Email:sarah.dellolio@morganstanley.com
Sarah coordinates and executes all administrative tasks for our team. With 30 years of investment industry experience, Sarah has been a pillar of the team for over 20 years.
Originally from Louisville, Kentucky, Sarah earned her B.A. in English and business from Boston College and continues to be a dedicated New England sports fan. She lives in Palm Beach Gardens, with her son, Tommy.
Originally from Louisville, Kentucky, Sarah earned her B.A. in English and business from Boston College and continues to be a dedicated New England sports fan. She lives in Palm Beach Gardens, with her son, Tommy.
Location
3801 PGA Boulevard
Suite 700
Palm Beach Gardens, FL 33410
US
Direct:
(561) 776-6457(561) 776-6457
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
About Frank Hammad
Frank Hammad is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Frank began his career in financial services in 2000, and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.
Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Masters in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
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.
Frank began his career in financial services in 2000, and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.
Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Masters in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
NMLS#: 798426
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Dimitri Chimerakis today.
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.
Awards Disclosures
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.
Awards Disclosures
CRC 6491812 (04/2024)
