Matthew Paiotti
Registered Client Service Associate
Phone:
(978) 526-6007(978) 526-6007
Eliud Parada
Vice President,
Financial Advisor
Direct:
(978) 526-6033(978) 526-6033
My Mission Statement
Deliver comprehensive, planning-based wealth management—grounded in listening, education, and coordinated investment, retirement, tax-aware, and estate-planning considerations—aiming to help clients make informed decisions with clarity and confidence and potentially build a lasting legacy.
ABOUT ELIUD PARADA
Eliud A. Parada, Vice President, Financial Advisor, is a wealth management professional who works with affluent and high-net-worth individuals and families, providing comprehensive, planning-based advice designed to bring clarity and confidence to important financial decisions. He believes financial planning is about far more than investments—it's about understanding each client's unique story and helping align financial strategies with the life they want to live, whether that includes preparing for retirement, preserving wealth, or creating a lasting legacy for future generations.
Eliud's approach begins with listening. Before discussing portfolios or market strategy, he takes time to understand a client's goals, values, concerns, and family dynamics. From there, he helps develop coordinated strategies that can integrate investment management, retirement planning, risk management, tax awareness, and estate planning considerations—so each part of a client's financial life works together rather than in isolation.
With deep experience advising households on portfolio construction and financial planning, Eliud is known for combining analytical problem-solving with a strong commitment to education—simplifying complex concepts and ensuring clients understand the "why" behind each recommendation so they can make informed decisions with confidence.
Eliud's multidisciplinary background strengthens the perspective he brings to planning conversations. He earned a Master of Science in Finance with an investment concentration and is currently a Juris Doctor candidate, with coursework including Wills, Trusts & Estates and Personal Income Tax. He is also currently completing the educational requirements for the CFP® certification. While he does not provide legal or tax advice, his training helps him identify planning considerations, ask better questions, and collaborate effectively with clients' attorneys, accountants, and other trusted professionals to support coordinated wealth management. Eliud began his financial services career in 2015 and has built his practice through a steady progression of client-facing roles across banking and wealth management.
He started at Citizens Bank and advanced into increasingly complex advisory responsibilities, ultimately moving into wealth management where he now advises affluent and high-net-worth households on portfolio construction, asset allocation, and comprehensive financial planning.
Most recently, Eliud has served as a Wealth Advisor with Citizens Securities, Inc. (Citizens Wealth Management), where he managed over 200 client relationships and delivered planning-based advice that integrates retirement, tax, and estate considerations. Prior to that, he supported wealth advisors at Santander Investment Services as a Financial Consultant Associate, conducting portfolio reviews, financial needs analyses, and developing asset allocation proposals aligned with client goals and risk tolerance. Earlier in his career, he worked as a Licensed Relationship Banker at Santander Bank, partnering with investment specialists to help clients transition from banking relationships to advisory relationships as their needs became more complex.
This career path—spanning retail banking through affluent and high-net-worth advisory work—has shaped Eliud's client-first philosophy and reinforced the importance of trust, education, and long-term relationships. He holds FINRA Series 7, 63, and 65 licenses, along with Massachusetts life and health insurance licenses, and he is a native Spanish speaker.
Outside the office, Eliud is a devoted husband and father. He and his wife, Stefany, are raising their two sons, Liam and Noah, and enjoy traveling together, exploring New England, and staying active with their children's sports and activities. He is also committed to lifelong learning and professional engagement, including involvement with the UMass Boston Alumni Association and participation in educational and networking events through the Boston Bar Association.
Securities Agent: FL, MD, NY, MA, VA, CT, CA, TX, RI, NH, ME; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A PLANNING-FIRST APPROACH BUILT AROUND YOUR LIFE
Financial planning is about far more than investments. My process is designed to help you make informed decisions with clarity and confidence by aligning your financial strategy with what matters most to you—today and for future generations.
Discovery: We Start With Listening
Before we discuss investments, I take time to understand your full financial picture and what you want your wealth to accomplish. That includes:
- Your goals, values, and priorities
- Family dynamics and responsibilities
- Current concerns and upcoming life events
- Your long-term vision for retirement and legacy planning
Clarify & Organize: Define What Success Looks Like
Next, we organize the key elements of your financial life so we can make decisions in context, not in isolation. My goal is to create a structure and help you feel confident about the path forward.
Strategy & Planning: Build A Coordinated Plan
I develop personalized recommendations that integrate the major areas of wealth management into one coordinated strategy, including:
- Investment management and portfolio construction
- Retirement planning and income strategy
- Risk management and insurance planning considerations
- Tax-aware planning considerations
- Estate planning and wealth transfer considerations
When appropriate, I also collaborate with your CPA and attorney to support a coordinated approach (while I do not provide tax or legal advice)
Implementation: Put The Plan Into Action
Once we agree on strategy, we implement it thoughtfully, building diversified portfolios and aligning accounts and recommendations to your goals and risk tolerance.
Ongoing Advise: Review, Communicate, & Adjust
Wealth management is not a one-time event. I provide proactive, personalized service through regular communication and periodic reviews, adjusting as markets change and as your life evolves.
What You Can Expect
Clients often describe me as knowledgeable, thoughtful, and committed to acting in their best interest. I believe strong communication, ongoing education, and long-term relationships are the foundation of exceptional client service-and I work to help you understand the reasoning behind every recommendation we make together.
Questions Clients Often Ask
- Do we only talk about investments? – No. Investments may be part of the conversation, but my process starts with your goals, responsibilities, and the decisions you're facing.
- How often will we connect? – It depends on your preferences and what's happening in your life. Many clients prefer a regular meeting cadence with additional touchpoints around major milestones.
- What if my priorities change? – That's expected. The relationship is designed to adapt as your career, family needs, and goals evolve.
- Can you work with my CPA or attorney? – With your permission, I can coordinate with your trusted professionals to help keep planning aligned.
- What should I bring to our first conversation? – A general sense of what you want to accomplish and any upcoming decisions. If you have relevant documents and statements, I can let you know what may be helpful after the initial call.
Ready To Get Started?
If you're looking for a long-term relationship grounded in listening, clarity, and thoughtful planning, I would welcome a conversation. Please click the "Contact Me" button at the top of the webpage to start a conversation.
FINANCIAL PLANNING WITH ELIUD PARADA
I believe financial planning is about far more than investments. My role is to help you make informed decisions that support the life you want to live—whether that means preparing for retirement, preserving wealth, or creating a lasting legacy for future generations.
My planning approach is comprehensive and coordinated—bringing together investments, retirement income, insurance, tax-aware planning considerations, and estate planning goals so decisions are made in context, not in isolation.
What Financial Planning Can Help You Address
Depending on your needs, our planning conversation may include:
- Goal setting & prioritization (what matters most now and later)
- Investment strategy & portfolio construction aligned to goals and risk tolerance
- Retirement planning and income strategy
- Tax-aware planning considerations and tax-efficient portfolio design
- Insurance & risk management planning considerations
- Estate planning & wealth transfer considerations (including multigenerational planning)
When appropriate, I can also coordinate with your CPA and attorney to support a more integrated financial planning experience.
How I Build Your Plan
My process begins with listening—understanding your goals, values, concerns, family dynamics, and long-term vision. From there, I help develop personalized strategies designed to provide clarity, structure, and confidence.
I also place a strong emphasis on education—simplifying complex concepts so you understand the reasoning behind recommendations and feel confident making decisions.
Planning Tools & Collaboration
I deliver comprehensive planning integrating retirement, tax, and estate considerations as part of a coordinated strategy with Morgan Stanley's GPS and LifeView financial planning platforms. I also collaborate with other professionals needed to help deliver holistic solutions.
Ready to build a plan? Schedule a conversation to discuss your goals and the planning areas that matter most to you.
Are You Prepared for Retired Life?
Your retirement has the potential to be the most fulfilling period of your life-but you need to have a plan for your time as well as your finances.
4 Tax-Smart Steps to Help Build Wealth
Even small tax adjustments in your portfolio can yield significantly more wealth over time.
The Importance of an Investment Policy Statement
For institutions, high-net-worth individuals and family offices, developing an investment policy statement that reflects their goals and objectives is increasingly important for long-term investing success.
How Affluent Families Can Plan for Hidden Risks
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.
Financial Planning for 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.
How to Plan Instead of Panic in Volatile Markets
How do you weather volatile markets? A study of nearly 120,000 investors reveals the value of having a sound financial plan to help keep you on track.
How to Choose the Right Life Insurance for Your Needs
Learn how life insurance can help you protect your loved ones and help ensure their financial security.
Planning for the Unexpected: Financial Tips for Unpredictable Careers
Athletes and entertainers' careers often have their ups and downs, all the more reason to plan ahead for a financially stable future. Here's how.
How to Break the Ice Around Family Finances
Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
What to Do If You Are Off Track on Your Goals
Don't worry if your financial goals look out of reach now based on what you've saved. There are ways to adjust course that are easier than you may think.
TAX EFFICIENT STRATEGIES
Discover strategic tax efficient solutions tailored to your financial goals. Eliud's personalized approach to minimizing tax liabilities with a focus on long term growth empowers you to make the most of your earnings.
Want to Keep More of Your Investment Returns? Consider these Tax Moves
Establishing a tax management strategy for your investments may help you keep more of your returns.
Tax Management Services
A wealth management tax services strategy is designed to help keep more of your returns with a tax-managed investment portfolio.
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these tax-smart strategies for your financial plan.
Total Tax 365: Tax-Smart Investing All Year Long
Tax acts as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place.
MODERN WEALTH TOOLS & RESOURCES
Morgan Stanley's comprehensive suite of digital resources has been carefully designed to help enhance each and every aspect of your financial portfolio and life. Learn more about some of the Modern Wealth Management Tools that we offer to our valued clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
2026 Federal Tax Tables
This document outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Location
35 Village Rd
Ste 601
Middleton, MA 01949
US
Direct:
(978) 526-6033(978) 526-6033
Meet My Team
Alexander Ball-Brauns
Registered Client Service Associate
Phone:
(978) 739-3999(978) 739-3999
Matthew Onofrio
Client Service Associate
Phone:
(978) 526-6019(978) 526-6019
Mazie Goscinak
Client Service Associate
Phone:
(978) 526-6017(978) 526-6017
Kaden Thompsen
Client Service Associate
Phone:
(978) 526-6029(978) 526-6029
About Matthew Paiotti
Matthew Paiotti serves as a Registered Client Service Associate at Morgan Stanley in Middleton, Massachusetts where his primary responsibility is to foresee the administrative duties for the team as well as our clients. He graduated with honors from Framingham State University with a degree in Finance and minors in both Economics and Business Administration. He has a passion for developing client relationships and assists in providing general assistance to our clients’ questions and concerns. Matt is fully licensed for this position, holding both his Series 7 & Series 66 registrations.
Prior to joining the team, Matt worked at Morgan Stanley in New York City where he worked closely with a wide variety of clients, developing relationships and striving to meet client requests.
Matt grew up in Oakland, NJ and recently moved to Newburyport, MA where he appreciates spending time with friends and family. In his spare time, he enjoys playing golf and hockey, as well as fishing and boating.
Prior to joining the team, Matt worked at Morgan Stanley in New York City where he worked closely with a wide variety of clients, developing relationships and striving to meet client requests.
Matt grew up in Oakland, NJ and recently moved to Newburyport, MA where he appreciates spending time with friends and family. In his spare time, he enjoys playing golf and hockey, as well as fishing and boating.
About Alexander Ball-Brauns
Alexander Ball-Brauns serves as a Registered Client Service Associate at Morgan Stanley in Middleton, Massachusetts, where he supports and assists clients with a variety of tasks. A 2024 graduate of Marist College, Alexander holds a degree in Communication’s.
Growing up and living in the city of Boston, Alexander is passionate about traveling, Boston sports, and deep-sea fishing. He enjoys tennis, golf, squash, and snowboarding.
Growing up and living in the city of Boston, Alexander is passionate about traveling, Boston sports, and deep-sea fishing. He enjoys tennis, golf, squash, and snowboarding.
About Matthew Onofrio
Matthew Onofrio serves as a Client Service Associate at Morgan Stanley in Middleton, Massachusetts, where he supports clients through a range of administrative tasks. A 2025 graduate of the University of Colorado, Matthew holds a degree in English.
Residing in his hometown of North Andover, Massachusetts, Matthew is passionate about literature, music, and rooting for Boston sports team. He enjoys golfing during the summer months and snowboarding in the winter, taking advantage of the great outdoors year round.
Residing in his hometown of North Andover, Massachusetts, Matthew is passionate about literature, music, and rooting for Boston sports team. He enjoys golfing during the summer months and snowboarding in the winter, taking advantage of the great outdoors year round.
About Mazie Goscinak
Mazie works as a Client Service Associate partnering closely with various financial advisors and branch management to ensure the upmost client experience through the timely coordination of service needs to help keep their financial life as seamless as possible. Prior to joining Morgan Stanley, Mazie graduated from Providence College earning a Bachelor of Science in finance and marketing.
Mazie currently resides in Boston, MA outside of the office she enjoys exploring new places in the city, staying active, and traveling whenever she gets the opportunity.
Mazie currently resides in Boston, MA outside of the office she enjoys exploring new places in the city, staying active, and traveling whenever she gets the opportunity.
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
Evan Patterson
Giancarlo Pannone, CFP®
Financial Planning Director, Vice President
About Evan Patterson
Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinemas, reading books, and listening to vinyl records.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinemas, reading books, and listening to vinyl records.
NMLS#: 800467
About Giancarlo Pannone
Giancarlo Pannone is a seasoned financial professional with a strong educational background and extensive experience in financial planning and wealth management. Giancarlo is a Rhode Island native and a graduate of Rhode Island College. He is a CERTIFIED FINANCIAL PLANNER™ professional with over 10 years of experience in investments, financial planning, and wealth management. Before joining Morgan Stanley, he worked with notable firms such as Merrill Lynch and Raymond James, where he honed his skills and expertise.
At Morgan Stanley, Giancarlo collaborates with financial advisors and clients to create tailored financial plans that align with clients' unique goals and circumstances. He leverages Morgan Stanley's industry-leading platform to develop these customized plans. Giancarlo holds securities and insurance licenses, further solidifying his credentials in the financial sector.
Outside of his professional life, he resides in South County, Rhode Island, with his wife and daughter. He enjoys staying active and spending time outdoors with family and friends. Giancarlo is dedicated to both his career and personal life, which is evident by his commitment to client success, coupled with his active family life.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
At Morgan Stanley, Giancarlo collaborates with financial advisors and clients to create tailored financial plans that align with clients' unique goals and circumstances. He leverages Morgan Stanley's industry-leading platform to develop these customized plans. Giancarlo holds securities and insurance licenses, further solidifying his credentials in the financial sector.
Outside of his professional life, he resides in South County, Rhode Island, with his wife and daughter. He enjoys staying active and spending time outdoors with family and friends. Giancarlo is dedicated to both his career and personal life, which is evident by his commitment to client success, coupled with his active family life.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Eliud Parada today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
