Senior Vice President, Financial Advisor, Alternative Investments Director, Qualified Plan Financial Consultant, Family Wealth Director
Phone:
(239) 449-7820(239) 449-7820
Florida Dynamic Wealth Management Group at Morgan Stanley
Christopher F. Kopp, QPFCJanet Hroncich, CFP®, ChFC®, RICP®Thomas F. Gayer IVThomas F. Gayer IIIJennifer E. RichyJohn Gogia, QPFC
Naples:
(239) 449-7821(239) 449-7821
Sarasota:
(941) 364-7469(941) 364-7469
Our Mission Statement
Empowering successful individuals, families and business owners with the expertise to make confident financial decisions that bring their personal visions to life.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Planning Process
To reach your goals, you need a wealth plan informed by a comprehensive assessment of your current budget and finances, clear objectives and sound advice that puts you in the center of the process. I use a four-step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.
- Discover: Understand your values, objectives and quantify your goals.
- Advise: Create a tailored wealth plan to help keep you on track.
- Implement: Add value with tax-aware and cost-sensitive capabilities.
- Track Progress: Know where you stand and adjust to your changing needs and the environment that changes around you. Using advanced technology and years of industry experience, allows me to develop a plan that includes not only investments, but also ways to help mitigate investment-related taxes, manage your everyday finances and address borrowing needs. Plus, the I will provide regular progress updates so you can see whether your savings and spending habits are in line with your goals – making it easier for you to stay the course.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that I can use to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Goals Planning System
The Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide clients with comprehensive investing and planning solutions for their individual goals.
Resources for Select Investors
Morgan Stanley offers a plethora of tools that can help solidify your family legacy - past, present, and future.
Family Office Resources
Reflecting on how the most successful families create and maintain enduring legacies across mulitple generations, Morgan Stanley Family Office Resources (FOR) is structured to help clients define a guiding vision, translate that vision into effective strategies and implement those strategies by calling on the tactical expertise of experienced professionals. Accesed by Morgan Stanley advisors through UHNW Client Specialists, our capabilities span three complimentary areas of focus: Governance and Legacy, Wealth Strategies and Signature Access.
Philanthropy
Your list of charitable goals is as unique as your idea of what a better world looks like. However, choosing your goals might be difficult when there are so many deserving causes and unmet needs. I can help guide you through this process. Let's talk about how.
Lifestyle Advisory
Your family history is a crucial part of the person you have become, in more ways than you can imagine. Learning about these familial ties is a fascinating experience that can often shine a spotlight on your past and serve as a guiding light for your future. Morgan Stanley can give you access to various genealogical resources to help bring your family history to life.
Art Resources Team
Morgan Stanley has an Art Resources Team (ART), which has the goal of showing clients how they can address the unique challenges of art as an asset and create bespoke solutions for every client and collection.
Morgan Stanley's Masters Club
In 2024 Christopher Kopp and Janet Hroncich were appointed to Morgan Stanley's prestigious Masters Club, a select group of the firms successful advisors.
Best-In-State Wealth Advisors
In 2023 and 2024, Christopher Kopp was named to the Forbes Best-In-State Wealth Advisors for Florida
In 2019 Janet Hroncich was awarded Forbes Best-In-State Wealth Advisors for Virginia. In 2022, 2023, and 2024 Janet Hroncich was awarded Forbes Best-In-State Wealth Advisors for Florida.
Source: Forbes.com (Awarded 2019, 2022, 2023 & 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Best-In-State Next-Gen Advisors
In 2023 & 2024 , Christopher Kopp was named to the Forbes Best-In-State Next-Gen Wealth Advisors for Florida
Forbes Best-In-State Next-Gen Wealth Advisors Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Best-In-State Wealth Management Teams
In 2023 & 2024, Thomas Gayer III and Thomas Gayer IV was named Best-In-State Wealth Management Teams.
Source: Forbes.com (Awarded Jan 2024 & 2023) Data Compiled By Shook Research LLC Based On Time Period From 3/31/22-3/31/23.
America's Top Women Wealth Advisor & Top Women Wealth Advisors Best-In-State
In 2022, 2023, 2024, and 2025 Janet Hroncich was awarded Forbes America's Top Women Wealth Advisors and Forbes Top Women Wealth Advisors Best-In-State for Florida.
Source: Forbes.com (Awarded 2022, 2023, 2024, & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Five Star Wealth Manager
In 2017, 2019, 2020, & 2021 Janet Hroncich was awarded Five Star Wealth Manager Award.
Source: fivestarprofessional.com (Awarded 2021, 2020, 2019 & 2017 ) The award was determined based on an evaluation process conducted.
VALUABLE INSIGHTS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Online Security Center
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
The GIC Weekly
Weekly commentary from Lisa Shalett, Morgan Stanley Wealth Management's Chief Investment Officer highlighting the Global Investment Committe's latest thinking on the markets.
On The Markets Podcast
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Location
8889 Pelican Bay Blvd
Ste 300
Naples, FL 34108
US
Direct:
(239) 449-7821(239) 449-7821
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-7469(941) 364-7469
Meet Florida Dynamic Wealth Management Group
Senior Vice President, Family Wealth Advisor, Alternative Investments Director, Insurance Planning Director, Portfolio Manager, Lending Specialist
Phone:
(941) 364-7469(941) 364-7469
Phone:
(941) 364-7415(941) 364-7415
Thomas F. Gayer III
Senior Vice President, Financial Advisor
Phone:
(239) 449-7803(239) 449-7803
Phone:
(239) 449-7862(239) 449-7862
John Gogia, QPFC
Financial Advisor, Financial Planning Specialist, Qualified Plan Financial Consultant
Phone:
(239) 449-7808(239) 449-7808
Maggie Ulrich
Vice President, Wealth Management Associate
Phone:
(239) 449-7821(239) 449-7821
Dawn Newland
Business Development Associate
Phone:
(941) 364-7449(941) 364-7449
Christine Levine
Wealth Management Analyst
Phone:
(941) 364-7418(941) 364-7418
Coty Schade
Senior Registered Client Service Associate
Phone:
(941) 364-7459(941) 364-7459
About Christopher F. Kopp
Chris Kopp’s keen economic insight and demonstrated ability to identify and analyze global macroeconomic trends, coupled with his background in product development and strategy at Morgan Stanley Headquarters, are of strategic importance to the Group.
Chris is a published author and Guest Scholar at educational forums throughout the United States. Chris began his career at Morgan Stanley Wealth Management as a member of the firm’s Product Analyst Program and subsequently worked with Morgan Stanley’s Alternative Investments Group, Consulting Group, Wealth Advisory Solutions Group, and Field Management Organization to create a broad range of truly customized investment strategies for the firms’ high-net-worth clients.
Chris graduated from the College of Holy Cross with Honors and Magna Cum Laude with a Bachelor of Arts in Mathematics and Economics. He also conducted economic research and completed coursework at the London School of Economics and Political Science. In addition to his interest in authoring, Chris is an avid runner, boater, and aviation enthusiast.
Chris is a published author and Guest Scholar at educational forums throughout the United States. Chris began his career at Morgan Stanley Wealth Management as a member of the firm’s Product Analyst Program and subsequently worked with Morgan Stanley’s Alternative Investments Group, Consulting Group, Wealth Advisory Solutions Group, and Field Management Organization to create a broad range of truly customized investment strategies for the firms’ high-net-worth clients.
Chris graduated from the College of Holy Cross with Honors and Magna Cum Laude with a Bachelor of Arts in Mathematics and Economics. He also conducted economic research and completed coursework at the London School of Economics and Political Science. In addition to his interest in authoring, Chris is an avid runner, boater, and aviation enthusiast.
Securities Agent: TN, NC, MI, AK, PA, NH, MN, ME, ID, UT, NY, NJ, MO, MA, GA, WY, VI, TX, NV, KY, DE, WV, SC, NM, LA, DC, CO, OR, OH, IN, ND, KS, IL, IA, AL, WA, MT, VT, SD, RI, PR, OK, NE, MS, FL, CT, WI, MD, AZ, HI, CA, AR, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1321587
NMLS#: 1321587
About Janet Hroncich
Janet Hroncich is a Senior Vice President with Morgan Stanley and managing principal of The Odyssey Planning Group.
Janet focuses on working with high net worth individuals with complex financial and estate planning needs.
Janet earned her MBA from Golden Gate University in San Francisco, CA and her BA from Dickinson College in Carlisle, PA. After a successful career working at the National Security Agency and as a defense contractor, Janet decided to pursue a career in financial planning in 1999.
Janet is a CERTIFIED FINANCIAL PLANNER® practitioner, a Chartered Financial Consultant®, and a Retirement Income Certified Professional® who is committed to helping her clients achieve financial independence.
Janet is active in numerous professional and philanthropic organizations, including:
- Member, Epworth Methodist Church, Rehoboth Beach, Delaware
- Stewardship Pathway (2013 – 2015)
- Planned Giving and Endowment Chairperson (2013 – 2015)
- Member, WE@MS (Women Engaged at Morgan Stanley)
- Volunteer and Fundraiser for Alex’s Army Childhood Cancer Foundation, Haymarket, Virginia
- Former Board Member, Miriam’s Table, Rehoboth Beach, Delaware
In her free time, Janet enjoys boating, golf, traveling and is an avid sports fan.
Janet focuses on working with high net worth individuals with complex financial and estate planning needs.
Janet earned her MBA from Golden Gate University in San Francisco, CA and her BA from Dickinson College in Carlisle, PA. After a successful career working at the National Security Agency and as a defense contractor, Janet decided to pursue a career in financial planning in 1999.
Janet is a CERTIFIED FINANCIAL PLANNER® practitioner, a Chartered Financial Consultant®, and a Retirement Income Certified Professional® who is committed to helping her clients achieve financial independence.
Janet is active in numerous professional and philanthropic organizations, including:
- Member, Epworth Methodist Church, Rehoboth Beach, Delaware
- Stewardship Pathway (2013 – 2015)
- Planned Giving and Endowment Chairperson (2013 – 2015)
- Member, WE@MS (Women Engaged at Morgan Stanley)
- Volunteer and Fundraiser for Alex’s Army Childhood Cancer Foundation, Haymarket, Virginia
- Former Board Member, Miriam’s Table, Rehoboth Beach, Delaware
In her free time, Janet enjoys boating, golf, traveling and is an avid sports fan.
Securities Agent: FL, NY, MS, IL, AK, WI, SD, NM, AR, NV, NE, LA, NH, MO, ME, MD, WV, VI, TX, TN, PR, PA, MI, IA, DC, AL, WY, ND, NC, MA, IN, CT, AZ, WA, OK, OH, NJ, KY, DE, CO, VA, SC, CA, VT, UT, RI, MN, KS, ID, HI, OR, MT, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1310715
NMLS#: 1310715
About Thomas F. Gayer IV
Thomas has 13 years of financial services experience, which he uses to provide customized financial services to a select group of successful families, businesses and non-profit organizations. He combines his past experience and the resources of Morgan Stanley to make recommendations to clients about their wealth, guiding them through potential investment strategies that would best suit their diverse needs.
A graduate of Florida Gulf Coast University, Thomas holds a degree in Communication & Advertising. Thomas was born in New York City and relocated to Naples, FL at an early age. He enjoys the occasional round of golf, fishing, tennis, sporting clay shooting, and spending time with his family.
A graduate of Florida Gulf Coast University, Thomas holds a degree in Communication & Advertising. Thomas was born in New York City and relocated to Naples, FL at an early age. He enjoys the occasional round of golf, fishing, tennis, sporting clay shooting, and spending time with his family.
Securities Agent: CO, CT, RI, MD, LA, KY, IL, ID, WA, MS, AR, UT, TN, MT, ME, HI, AL, VT, SC, ND, MO, MI, MA, FL, DC, WY, VA, NY, IN, GA, WI, OH, NM, PA, NH, NE, MN, CA, AZ, TX, NC, IA, DE, WV, VI, NV, KS, AK, PR, SD, OR, OK, NJ; General Securities Representative; Investment Advisor Representative
About Thomas F. Gayer III
Born and raised in Barrington, Illinois, Thomas F. Gayer III has a rich and varied background in business and finance. He graduated with a Business degree from the University of Dayton in 1973, setting the stage for a successful career that spans over four decades.
Thomas started his professional journey as a buyer at JC Penney Co. in New York, where he worked for ten years, honing his expertise in purchasing and market trends. Following that, he ventured into entrepreneurship and became the owner of Euro-American Textiles, a well-regarded textile business in New York City. His entrepreneurial success laid a solid foundation for his transition into the world of finance.
For the past 25 years, Thomas has been a trusted financial advisor, helping clients navigate the complexities of wealth management and financial planning. He takes great pride in his deep industry knowledge and commitment to client success.
Beyond his professional work, Thomas is actively engaged in the arts and community. He is a member of the Metropolitan Museum of Art, the Museum of Modern Art, and Lincoln Center in New York City, reflecting his passion for culture and the arts. He also serves as a board member of Funtime Learning Academy, contributing to the educational growth of future generations, and is an active member of the Rotary Club, supporting local and international community initiatives.
With a diverse background and unwavering dedication to both his clients and community, Thomas is committed to providing skilled financial guidance while continuing to contribute to causes he is passionate about.
Thomas started his professional journey as a buyer at JC Penney Co. in New York, where he worked for ten years, honing his expertise in purchasing and market trends. Following that, he ventured into entrepreneurship and became the owner of Euro-American Textiles, a well-regarded textile business in New York City. His entrepreneurial success laid a solid foundation for his transition into the world of finance.
For the past 25 years, Thomas has been a trusted financial advisor, helping clients navigate the complexities of wealth management and financial planning. He takes great pride in his deep industry knowledge and commitment to client success.
Beyond his professional work, Thomas is actively engaged in the arts and community. He is a member of the Metropolitan Museum of Art, the Museum of Modern Art, and Lincoln Center in New York City, reflecting his passion for culture and the arts. He also serves as a board member of Funtime Learning Academy, contributing to the educational growth of future generations, and is an active member of the Rotary Club, supporting local and international community initiatives.
With a diverse background and unwavering dedication to both his clients and community, Thomas is committed to providing skilled financial guidance while continuing to contribute to causes he is passionate about.
Securities Agent: NV, AR, TN, SC, NY, MT, MN, MA, UT, OK, OH, NM, NH, MS, WV, WA, PR, MO, ME, IA, VT, SD, PA, VI, NC, DE, WI, VA, NE, MI, KY, IN, IL, CT, CO, AK, NJ, MD, HI, DC, AL, WY, ND, KS, ID, CA, AZ, RI, GA, FL, TX, OR, LA; General Securities Representative; Investment Advisor Representative
About Jennifer E. Richy
Exceptional wealth deserves an exceptional client experience. Jennifer Bate Richy delivers detailed, holistic financial solutions utilizing best in class research and collaborations to accomplish clients’ goals--and help ease the stress of the unknown--whether that includes a growing family, new interests, or retirement. As a former attorney and non-profit executive, Jennifer is well suited to working with complex estates and those interested in leaving a lasting legacy of philanthropy.
Jennifer attended University of Florida for her undergraduate and master’s degrees, and Stetson University for her Juris Doctor, where she was President of the Student Bar Association. Following law school, she worked in the investment bank at Credit Suisse before leading several non-profit foundations as Executive Director and COO. Jennifer is a multinational champion equestrian. A rare native Floridian, she also enjoys sport fishing and being on the water.
Securities Agent: ME, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, MI, ID, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, KY, MA, MD; General Securities Representative; Investment Advisor Representative
Jennifer attended University of Florida for her undergraduate and master’s degrees, and Stetson University for her Juris Doctor, where she was President of the Student Bar Association. Following law school, she worked in the investment bank at Credit Suisse before leading several non-profit foundations as Executive Director and COO. Jennifer is a multinational champion equestrian. A rare native Floridian, she also enjoys sport fishing and being on the water.
Securities Agent: ME, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, MI, ID, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, KY, MA, MD; General Securities Representative; Investment Advisor Representative
Securities Agent: VA, IL, VT, OK, ID, RI, MO, MA, AK, WY, OR, NM, MI, AL, DC, WI, NY, NJ, NC, IN, HI, GA, CO, UT, PA, NV, MD, FL, CA, NE, ND, MS, VI, MT, WV, IA, PR, LA, AR, TX, SD, SC, KY, DE, CT, WA, MN, AZ, TN, OH, NH, ME, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 2224942
NMLS#: 2224942
About John Gogia
John Gogia is a dedicated Financial Advisor with a deep-rooted passion for helping public service professionals navigate their financial futures. With a 27-year career in law enforcement, John brings firsthand experience and a unique understanding of the challenges and opportunities that those in public safety face—especially when it comes to retirement planning, pensions, and benefits like the Florida Retirement System (FRS). His mission is to ensure that those who have spent their careers serving others maximize their hard-earned resources and transition confidently into a secure and fulfilling retirement.
John's approach to financial advising is built on trust, relatability, and an intimate knowledge of public service benefits. Having participated in the same retirement plans and faced similar career challenges, he is uniquely positioned to provide tailored financial strategies that align with his clients' goals and values. Clients describe him as knowledgeable, relatable, and deeply committed to their financial well-being.
John began his career in financial services in 2022 and joined Morgan Stanley in 2024. He holds a Bachelor's degree in Criminology from the University of South Florida and a Master’s in Management from Hodges University. Additionally, he is a Financial Planning Specialist and Qualified Plan Financial Consultant, holding Series 7, Series 66, and SIE certifications.
Beyond his work, John remains active in his community as an Auxiliary Deputy Sheriff and a supporter of St. Jude. He has lived in Naples, Florida, since 1995 with his wife, Bronwyn. Married for over 31 years, they have two grown daughters—one in the medical field and the other in finance. In his free time, John enjoys golfing and traveling.
Whether you're preparing for retirement, navigating pension complexities, or seeking financial guidance, John is committed to helping you achieve your goals with confidence and clarity.
John's approach to financial advising is built on trust, relatability, and an intimate knowledge of public service benefits. Having participated in the same retirement plans and faced similar career challenges, he is uniquely positioned to provide tailored financial strategies that align with his clients' goals and values. Clients describe him as knowledgeable, relatable, and deeply committed to their financial well-being.
John began his career in financial services in 2022 and joined Morgan Stanley in 2024. He holds a Bachelor's degree in Criminology from the University of South Florida and a Master’s in Management from Hodges University. Additionally, he is a Financial Planning Specialist and Qualified Plan Financial Consultant, holding Series 7, Series 66, and SIE certifications.
Beyond his work, John remains active in his community as an Auxiliary Deputy Sheriff and a supporter of St. Jude. He has lived in Naples, Florida, since 1995 with his wife, Bronwyn. Married for over 31 years, they have two grown daughters—one in the medical field and the other in finance. In his free time, John enjoys golfing and traveling.
Whether you're preparing for retirement, navigating pension complexities, or seeking financial guidance, John is committed to helping you achieve your goals with confidence and clarity.
Securities Agent: AR, WI, MA, CT, PR, OH, ME, ID, AL, SD, MN, DC, WA, VT, VA, KY, IA, HI, SC, OR, CA, WV, NE, VI, UT, IL, DE, AZ, TX, RI, NH, ND, LA, GA, CO, WY, TN, PA, OK, NM, NC, MI, MD, KS, AK, NY, NV, NJ, MT, MS, MO, IN, FL; General Securities Representative; Investment Advisor Representative
About Maggie Ulrich
As a Vice President with over 20 years of experience in the Wealth Management industry, Maggie strives to provide exceptional client service while also finding solutions to client needs. She has dedicated her career to help clients have confidence that their finances are treated with utmost care. Maggie graduated from The Florida State University with a degree in Business Administration and Marketing. She and her husband Ryan have 2 children, Hannah and Adam, and when not working she enjoys traveling and volunteering throughout the community.
About Dawn Newland
Dawn began her financial career in 1990 working in retail banking on Long Island, NY holding various positions as Sales Representative, Assistant Branch Manager and Staff Compliance Auditor. She joined Morgan Stanley in 2011 as a Senior Registered Client Service Associate working with a Barron's Top 100 Advisor in NY. When Dawn relocated to Venice, Florida in 2017, she began working for UBS Financial Services as a Senior Registered Client Service Associate.
Dawn is driven to deliver a service experience that consistently exceeds clients' expectations. Her passion is providing this experience with courtesy and level of personal care the team's clients deserve. Dawn holds a Series 7, 63 and 65, along with her Florida Life, Life & Health and Variable Annuity Licenses. Dawn and her husband, John, enjoy family time with their son going to the gym, beach and outdoor activities
Dawn is driven to deliver a service experience that consistently exceeds clients' expectations. Her passion is providing this experience with courtesy and level of personal care the team's clients deserve. Dawn holds a Series 7, 63 and 65, along with her Florida Life, Life & Health and Variable Annuity Licenses. Dawn and her husband, John, enjoy family time with their son going to the gym, beach and outdoor activities
About Christine Levine
With over two decades of experience in the financial services industry, Christine Levine is dedicated to helping clients navigate their financial journeys with confidence. As a Wealth Management Analyst at Morgan Stanley, Christine works closely with clients to develop personalized strategies that align with their unique financial goals, risk tolerance, and long-term aspirations.
Christine has held leadership roles at top financial institutions, including Janney Montgomery Scott, Morgan Stanley, Morgan Keegan & Company, and Credit Suisse First Boston. Her extensive background in branch operations, client service, and investment strategy has equipped her with a deep understanding of financial markets, regulatory compliance, and wealth management best practices.
Prior to her current role, Christine served as Branch Operations Manager at Janney Montgomery Scott, where she oversaw compliance, client support, and marketing initiatives, ensuring a seamless experience for both clients and advisors. She has also held positions as Complex Service Manager at Morgan Stanley and Operations Manager at Morgan Keegan & Company, where she managed operational efficiency, policy compliance, and client service excellence.
Christine holds a Bachelor of Science in Business Education from Baruch College (City University of New York) and maintains Series 7, 63, 66, and Series 9 & 10 supervisory licenses. Her commitment to financial education and client success drives her approach to wealth management, providing tailored solutions that empower individuals and families to achieve financial stability and growth.
Christine has been married to her husband, Adam Levine, for 26 years, and they have a 17-year-old son, Aidan, who is a junior at Cardinal Mooney High School and a dedicated baseball pitcher. Active in the Lakewood Ranch community, Christine and her family enjoy supporting local events and watching Aidan play baseball. They also share their home with their two beloved Teddy Bear dogs, Max and Milo.
Christine has held leadership roles at top financial institutions, including Janney Montgomery Scott, Morgan Stanley, Morgan Keegan & Company, and Credit Suisse First Boston. Her extensive background in branch operations, client service, and investment strategy has equipped her with a deep understanding of financial markets, regulatory compliance, and wealth management best practices.
Prior to her current role, Christine served as Branch Operations Manager at Janney Montgomery Scott, where she oversaw compliance, client support, and marketing initiatives, ensuring a seamless experience for both clients and advisors. She has also held positions as Complex Service Manager at Morgan Stanley and Operations Manager at Morgan Keegan & Company, where she managed operational efficiency, policy compliance, and client service excellence.
Christine holds a Bachelor of Science in Business Education from Baruch College (City University of New York) and maintains Series 7, 63, 66, and Series 9 & 10 supervisory licenses. Her commitment to financial education and client success drives her approach to wealth management, providing tailored solutions that empower individuals and families to achieve financial stability and growth.
Christine has been married to her husband, Adam Levine, for 26 years, and they have a 17-year-old son, Aidan, who is a junior at Cardinal Mooney High School and a dedicated baseball pitcher. Active in the Lakewood Ranch community, Christine and her family enjoy supporting local events and watching Aidan play baseball. They also share their home with their two beloved Teddy Bear dogs, Max and Milo.
About Coty Schade
Coty, as a Senior Registered Client Service Associate, brings over 10 years of industry experience and aims to deliver the best services possible for clients.
Coty assists in the team’s operations on a day-to-day basis and provides administrative oversight to support clients and their families. Coty prides herself on efficiently and accurately addressing client inquiries, no matter how big or small. Coty believes that making life simpler for clients is her priority. Coty works closely with tax professionals to deliver tax-related documents and inquiries in a timely manner. Coty also assists with financial planning and investment management reviews.
Coty graduated with a B.S. in psychology from the University of Southern Mississippi and holds the Series 7 and 66 securities licenses. Originally from Cape Cod, MA, she lives in Sarasota with her husband, Adam, their daughter, Sophie, and rescue dog, Izzy. Over the past few years, she has helped build a house for Habitat for Humanity, participated in fundraising for Southeastern Guide Dogs (Dogs Inc.), fed the hungry at the Salvation Army, provided backpacks for Title 1 schools, sent Cards for Kids, and other organization volunteer activities.
Coty assists in the team’s operations on a day-to-day basis and provides administrative oversight to support clients and their families. Coty prides herself on efficiently and accurately addressing client inquiries, no matter how big or small. Coty believes that making life simpler for clients is her priority. Coty works closely with tax professionals to deliver tax-related documents and inquiries in a timely manner. Coty also assists with financial planning and investment management reviews.
Coty graduated with a B.S. in psychology from the University of Southern Mississippi and holds the Series 7 and 66 securities licenses. Originally from Cape Cod, MA, she lives in Sarasota with her husband, Adam, their daughter, Sophie, and rescue dog, Izzy. Over the past few years, she has helped build a house for Habitat for Humanity, participated in fundraising for Southeastern Guide Dogs (Dogs Inc.), fed the hungry at the Salvation Army, provided backpacks for Title 1 schools, sent Cards for Kids, and other organization volunteer activities.
Contact Christopher F. Kopp
Contact Janet Hroncich
Contact Thomas F. Gayer IV
Contact Thomas F. Gayer III
Contact Jennifer E. Richy
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
Justine Smale
Private Banker
Stacey Herring
Private Banker
About Justine Smale
Justine Smale 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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and
International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and
International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
NMLS#: 641860
About Stacey Herring
Stacey Herring 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.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education
Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy,dedication, and commitment to children’s causes.
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.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education
Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy,dedication, and commitment to children’s causes.
NMLS#: 434321
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
Article Image
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
Article Image
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 Florida Dynamic Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
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
CRC 6491812 (04/2024)
