Our Story, Services, and Process

The Cotto Wealth Management Group at Morgan Stanley focuses on providing businesses, entrepreneurs, families and organizations the support they need to achieve and maintain financial success.

The team was founded by James Cotto, a Wealth Advisor with over 30 years of experience. He built his practice by providing clients with the advice and guidance they need to pursue financial independence for their business initiatives, themselves and their families. Additionally, he understands entrepreneurism and philanthropy often go hand in hand; that's why he also helps his individual clients pursue financial sustainability for the philanthropic organizations and causes most important to them.

We offer clients with complex needs access to extensive resources such as Corporative Investment Solutions, Executive Financial Services, Institutional Services for Businesses, Wealth, Estate, and Succession Planning, and Professional Money Management for Individuals. Our goal is to provide solutions for your businesses initiatives and personally simplify your financial life to pursue the goals most important to you.

Our Disciplined Process:

Your goals, hopes and dreams are at the center of our work. That's why we'll plan to meet with you at length when you first begin working with us. We'll ask smart questions and listen to what you say matters. Once we fully understand your situation, we'll suggest ways to put your money to work.

Working with us, you can expect us to:

• Develop a comprehensive financial strategy based on your individual needs and goals
• Substitute discipline for emotion in the investment process
• Review performance and track progress to meet your goals
• Adjust your holdings in response to new opportunities and risks
• Be flexible. When changes come to your life, or in the market, we'll tweak your financial strategy
• Maintain strict financial objectivity
• Ongoing service and care with personalized attention and communication throughout the relationship

Some of our work is best coordinated with your other key advisors. If you like, we can connect directly with your:

• Tax specialist
• Trust attorney
• Insurance professional
• Family office

If you're interested in learning more about The Cotto Wealth Management Group, contact us to discuss how we can help you begin a successful financial journey.

Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Customized Solutions for Institutions and Individuals

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    International Client Services
    We provide financial services to clients who seek to establish an account in the US or participate in our domestic market. We offer robust support and extensive resources to help highly sophisticated clients, like foreign citizens or public or private entities based in specific regions, address the complex, multifaceted challenges of managing wealth across borders.
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    Equity Compensation Solutions
    As the administrator of your company’s equity compensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide easy access to your account, answer questions about your awards and handle your transactions accurately and conveniently. We help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of workplace solutions
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    Wealth, Estate and Succession Planning
    We analyze your tax and estate structures so that your tax characteristics are accurately incorporated in the asset allocation analysis performed for the client. Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents. We will work together to identify the most suitable investments for securing your financial future and legacy.
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    Corporate Retirement Plans
    Our team aims to provide your 401(k) or 403(b) plan committee with the necessary support to manage a successful retirement plan or executive deferred compensation plans. We offer a range of advisory services, including but not limited to: plan review for fees, performance & service, monitoring of investment fund performance, safe harbor plan design, participant retirement readiness education, acting as a 3(21) or 3(38) fiduciary, and overall guidance on investment policy statements.
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    Investment Services
    Morgan Stanley Investment Management provides investment solutions across public and private markets, offering a broad range of strategies to help clients pursue long-term goals.
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    Cash Management and Lending
    As a client, you will access a suite of cash management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPlus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we can provide qualified clients with financing solutions for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.
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HERE FOR YOU

Choosing a Financial Advisor is not a science. Once you identified what financial services you need, it really comes down to fit, style and other intangibles. Here are some of the attributes our client’s values about working with us:

• An entrepreneurial spirit with a commitment to uncovering high-value opportunities in the marketplace
• A passion for excellence and success and a dedication to philanthropy
• A sense of connection with my community
Broad relationships within my field
• A breadth of product knowledge beyond the scope of traditional investments
• A focus on the “big picture” and an obsession with professionalism

We are committed to an uncompromising level of service. If this sounds like the type of practice you would like to work with, we welcome an opportunity to speak with you.
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Our Clients
• Special Purpose Acquisition Companies
• Entrepreneurs and Executives from Various Industries
• Public and Private Companies
• Domestic and International Clients
• Hispanic Community Members, Associations, and Non-Profits
• Professional Athletes and Entertainers
• Affluent Individuals who Want to Protect what They've Earned
• Highly Accomplished Individuals who Face Complex Financial Issues
• Referrals from Existing Clients and Industry Professionals

Resources & Insights

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    SPAC Capabilities
    To facilitate the process that Special Purpose Acquisition Companies (“SPACs”) undergo, The Cotto Wealth Management Group at Morgan Stanley offers the Sponsors a wide array of services through the Firm’s platforms to assist your SPAC through its entire life cycle.
    Learn More Here
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    Family Office Resources
    Family Office Resources (FOR) is a helpful resource that provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
    Learn About Family Office Resources
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    GIC Weekly Report
    Lisa Shalett, Chief Investment Officer of Morgan Stanley Wealth Management, shares timely insights on market dynamics, asset classes, and fixed income in this weekly updated.
    Read the Latest Report
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    Preparing for Your Meeting with an Estate Planning Attorney
    Estate planning means different things to different people, but your plan should be tailored to outline how your assets will be managed or distributed during your life, in the event of incapacity, and at death—clearly identifying your beneficiaries and how they will benefit.
    Questions/answers, definitions and ideas for structuring your personal trust
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    On the Markets Report
    Receive in-depth analysis from Morgan Stanley's thought leaders on market trends, interest rates, inflation, and policy shifts impacting investors
    Read the Latest Report
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    Reserved Living & Giving
    Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
    View Offers from Reserved Living & Giving
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    Thought on the Market Podcasts
    With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Thoughts on the Market Podcasts
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    Understanding Trusts and Estate Planning
    Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Proper estate planning gives careful consideration to the estate owner’s future plans, preferences and goals. Learn more about how the Cotto Group helps our clients understand the fundamentals.
    Learn More Here
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    2026 Tax Tables
    Federal tax information for the 2026 tax year, including Income Tax Tables, Contribution Limits, Deadlines, etc.
    View The 2026 Tax Tables

Comprehensive SPAC Solutions

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WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

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    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

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    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
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    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
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    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
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    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

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Location

2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-4857(914) 225-4857
Toll-Free:
(866) 938-4044(866) 938-4044

Meet The Cotto Wealth Management Group

Photo of James Cotto

James Cotto

Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Global Sports and Entertainment Director, Corporate Client Group Director, International Finance Advisor, Senior Investment Management Consultant, Senior Portfolio Manager, Workplace Advisor – Equity Compensation, Alternative Investments Director
Schedule Meeting
Phone:
(914) 225-4857(914) 225-4857
Photo of Laura Scatigno

Laura Scatigno

Senior Client Service Associate
Phone:
(914) 225-5493(914) 225-5493
Photo of Mike Barrera

Mike Barrera

Registered Client Service Associate
Phone:
(914) 225-9489(914) 225-9489
Photo of Vincent Rosario

Vincent Rosario

Client Service Associate
Phone:
(914) 225-1299(914) 225-1299
Photo of Kayleigh Lavender

Kayleigh Lavender

Wealth Management Associate
Phone:
(914) 225-0575(914) 225-0575
Photo of Joseph Priore

Joseph Priore

Registered Client Service Associate
Phone:
(914) 225-1532(914) 225-1532
Photo of Alex Passante

Alex Passante

Registered Client Service Associate
Phone:
(914) 225-0072(914) 225-0072
Photo of Christian Dinallo

Christian Dinallo

Registered Client Service Associate
Phone:
(914) 225-1572(914) 225-1572

About James Cotto

James Cotto is a Managing Director – Wealth Management, Wealth Advisor at The Cotto Wealth Management Group at Morgan Stanley Global Headquarters in Purchase, New York. He built his practice by providing entrepreneurs and other clients with the guidance they need to pursue financial independence for themselves and financial sustainability for the philanthropic organizations most important to them. James’ growing, diverse team of next gen Latinos and women collaboratively work together to serve clients of unique segments such as high-net-worth individuals, families, business owners, professional athletes and entertainers, special purpose acquisition companies, endowments, foundations, and more.

James began his career in the financial services industry in 1988 and joined Morgan Stanley in 2009. Throughout his time at Morgan Stanley, James received various designations and titles, including Family Wealth Director, Global Sports and Entertainment Director, Corporate Client Director, Portfolio Management Director, International Client Advisor, Workplace Advisor - Equity Compensation, and Lending Specialist – these are a direct reflection of his knowledge and offerings to better serve clients with a suite of tailor-made solutions. His mission is to help clients design, scale, and deliver on their business and personal goals while giving back to their community.

James has developed a global understanding and approach to assisting his domestic and international clientele in navigating the financial markets by offering key insights to achieve financial success. He provides a comprehensive approach to reviewing his client’s current finances, future objectives, and potential barriers to develop a holistic plan that encompasses every aspect of one financial well-being, including investment and lending strategies, estate planning, philanthropy management, and more.

James’ clients value his honest and integrity-based approach. At the Cotto Wealth Management Group, he and his team pridefully take a thoughtful approach in all manners concerning their clients and educating them on their financial journey. He built his practice based on long-standing relationships and kind referrals, which indicates his clients’ appreciation of his unique skill set, global perspective, and overall experience.

James is recognized for his commitment to various causes, whether it’s helping clients achieve their purposeful endeavors or being on the ground giving back to his community directly. He is a distinguished member of the Advisory Council for Maestro Cares Foundation, Corporate Board of Governors (CBOG), Member for The National Association of Hispanic Real Estate Professionals (NAHREP), Hispanic Association on Corporate Responsibility (HACR), The Latino U Scholars Program, The Hispanic Scholarship Fund (HSF), The Hispanic National Bar Association (HNBA), Latino Donor Collaborative (LDC), The Gilbert and Jacki Cisneros Foundation, and more.

James received his bachelor’s degree from Rutgers University in New Brunswick, NJ, and resides in Cross River, New York. He enjoys spending quality time with his family in Nantucket, MA, with his three adult children, Carol, Ray, and Lucy, and his three dogs.
Securities Agent: RI, NY, NE, DE, AK, OR, MN, MD, ID, CA, WV, PR, NH, MT, IN, CO, AR, NJ, IA, VT, SD, PA, NV, FL, AL, HI, WA, TN, OH, MS, MI, LA, KS, IL, AZ, VI, VA, SC, CT, TX, ND, ME, MA, DC, OK, NC, MO, WY, WI, UT, NM, KY, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 74944

About Eric Esquivel

Eric Esquivel is a Financial Advisor at the Morgan Stanley in Purchase, New York. He belongs to the Cotto Wealth Management Group and takes pride in helping high net worth families, business owners, nonprofits, and philanthropic organizations make informed decisions about their financial life so that they can better pursue the goals most important to them.

Eric earned his Bachelors of Science in Legal Studies from St. John’s University and his Juris Doctor from Brooklyn Law School. He specialized in estate planning, business planning, and real estate law before leaving the law to join Morgan Stanley as a financial adviser. Despite not practicing law anymore, he still loves to give back to his local community by volunteering on Morgan Stanley approved pro bono cases with nonprofits such as Good Counsel Services and the Pro Bono Partnership.

Eric currently lives in Mount Kisco, NY and is a proud father of a son, Eric Jr. He is also a member of the New York State Bar Association’s Business Law Section, New York State Bar Association’s Trusts and Estates Law Section, and the New Jersey State Bar Association’s Pro Bono Committee.
Securities Agent: WI, HI, KS, VA, NH, NC, KY, MS, TX, RI, MT, OK, NV, NM, MN, ME, ID, MA, DC, AL, VT, TN, CA, MI, FL, CO, AZ, WA, UT, SC, IL, IA, DE, PR, WY, WV, PA, LA, CT, SD, OR, NJ, NE, MD, AR, GA, OH, NY, MO, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1853457

About Rodrigo Suarez-Navarro

Rodrigo Suarez-Navarro is a Financial Advisor at The Cotto Wealth Management Group at Morgan Stanley, based in Purchase, New York. Within his team’s wealth advisory practice, Rodrigo works with publicly traded companies, philanthropic organizations, and high net worth individuals with an entrepreneurial spirit to help them manage their financial well-being.

Rodrigo joined The Cotto Wealth Management Group in 2017 and has assisted in several roles since. He evaluates the various asset allocation techniques when creating client portfolios that are specifically tailored to each client. In addition to portfolio management, he interprets the needs and goals of clients to create comprehensive financial plans. He also oversees the maintenance of client accounts and operational support for institutional clients within the team.

Rodrigo graduated from the Zicklin School of Business at Baruch College with a degree in Finance and Political Science, and holds his Series 7 and Series 66 financial securities licenses. He is a co-founder and former member of the Emerging Leaders Board at Latino U, and a co-founder and member of the Young Professionals Alzheimer’s Council in the Hudson Valley. As a first-generation immigrant from Bolivia, he is passionate about helping other Hispanics who share a similar path. Rodrigo resides in Westchester, New York and enjoys spending time with family and friends, trying new cuisines, working out, skiing, biking and playing soccer.
Securities Agent: NE, AZ, SD, PA, KS, OH, NY, MS, MD, SC, NV, NM, KY, IL, CO, WY, VI, TN, RI, NC, MT, MN, ME, AL, AK, WI, FL, CA, AR, WV, WA, PR, DE, CT, TX, MA, IN, DC, NH, MO, LA, HI, OR, NJ, MI, ID, IA, GA, VT, VA, UT, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 2314999

About Raymond Cotto

Ray Cotto is a Financial Advisor with The Cotto Wealth Management Group at Morgan Stanley, based in Purchase, New York. Within the team’s wealth advisory practice, he focuses on advising stock plan participants at publicly traded companies, as well as serving athletes, entertainers, non-profit and philanthropic organizations, and Hispanic-focused organizations and associations. He also enjoys partnering with high-net-worth individuals with an entrepreneurial mindset, helping simplify the financial responsibilities that come with managing both business and personal affairs so clients can stay focused on what matters most to them.

Ray joined Morgan Stanley in 2019 and has since held several analytical roles across Morgan Stanley Wealth Management. These experiences have given him a broad, working understanding of the firm’s capabilities and how to bring Morgan Stanley’s platform, resources, and solutions to client relationships through a coordinated, goals-based approach. He holds the Series 7, 63, and 65 registrations and has earned the Financial Planning Specialist designation.

Ray began his collegiate career as a wrestler at Bucknell University before transferring to Cornell University, where he earned a degree in Industrial and Labor Relations. He resides in New York City and enjoys working out, training jiu jitsu, following collegiate wrestling, and cooking.
Securities Agent: CT, CA, VT, VI, VA, TX, SD, PA, NV, NM, NH, MI, FL, TN, ND, KS, DC, OK, MT, IL, OR, NJ, NC, DE, OH, MD, MA, LA, AZ, PR, MO, ME, ID, GA, AR, AK, WA, RI, KY, IN, UT, NE, CO, AL, WY, WV, SC, MS, IA, WI, NY, MN, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2528911

About James Arca

James Arca is a Wealth Management Analyst for The Cotto Wealth Management Group at Morgan Stanley. Within the team's advisory practice, James serves various roles supporting High Net Worth Individuals. James assists the team in evaluating, implementing and monitoring Asset Management strategies tailored to the individual needs and goals of clients. James utilizes Morgan Stanley's robust investment platform to provide clients with access to Equity Research, Alternative Investments and Private Market solutions. Additionally, James supports Stock Plan participants in the monetization of their Equity Compensation.

James began his career with Morgan Stanley in 2021 after graduating from the Kelley School of Business at Indiana University, majoring in Entrepreneurship and Corporate Innovation. Upon joining the firm, James obtained his Series 7 and Series 66 licenses and received the Financial Planning Specialist designation. As a Virtual Engagement Associate, James assisted Financial Advisors in deepening their client relationships by developing unique strategies in Asset Acquisition, Digital Engagement, and Financial Planning.

In 2023, James joined The Cotto Wealth Management Group and shortly thereafter received the Qualified Plan Financial Consultant (QPFC) designation demonstrating his knowledge and expertise in retirement plan fiduciary management.

Outside of work James enjoys traveling, attending New York Yankee games, walking his two dogs and volunteering.

About Laura Scatigno

Drawing on more than 20 years of financial services experience at Morgan Stanley, Laura is a Senior Client Service Associate for The Cotto Wealth Management Group. Laura has held various leadership positions within the Firm, which has equipped her with valuable experience and insight into her current position. She is responsible for the day to day operations, the implementation of processes for the junior support staff, and the overall management of the group's operations. She sets the tone for superior client service and strives daily to exceed client expectations.

Having begun at the Mount Kisco Branch in 1998, Laura worked her way up to Operations manager and obtained a Vice President designation. After the birth of her daughter in 2015, Laura returned to work and chose to take a more client facing position and joined James Cotto's practice. Laura resides in Westchester County, NY with her daughter Gianna. In her spare time she enjoys cooking, traveling, and spending time with family and friends.

About Mike Barrera

Mike Barrera is a Registered Client Service Associate at Morgan Stanley, providing dependable, client-focused support to individuals, families, and institutional clients. In partnership with the advisory team, he helps manage day-to-day operations, coordinates service needs, and works to ensure clients receive a seamless experience marked by responsiveness and professionalism.

With two years at Morgan Stanley, Mike has developed a specialized focus on supporting Special Purpose Acquisition Companies (SPACs) throughout various stages of their lifecycle. In this role, he works with SPACs from inception through maturity, including the opening and ongoing maintenance of operating, sponsor, and trust accounts. Mike helps ensure that each phase runs smoothly by coordinating service requests, supporting account administration, and working closely with internal partners to meet operational and regulatory requirements.

Mike earned a Bachelor of Science in Business Administration (BSBA) from Drexel University, with a major in accounting and holds the General Securities Representative Qualification Examination (Series 7), Uniform Securities Agent State Law Examination (Series 63), and The Uniform Investment Adviser Law Examination (Series 65) FINRA licenses.

Outside of the office, Mike resides in New York City and enjoys staying active with a focus on weightlifting/nutrition, traveling, cooking, and exploring all the city has to offer.

About Vincent Rosario

Vincent is a Client Service Associate for The Cotto Wealth Management Group at Morgan Stanley in Purchase, New York. He joined the team in July of 2025. Vincent plays an essential role in delivering an exceptional experience for both individual and institutional clients by executing operational processes that support client needs and ensure timely, precise service. By utilizing a proactive approach and efficient communication, he works seamlessly with the team's advisors to streamline workflows and stay ahead of client expectations. Vincent helps coordinate communications, prepare account documentation, and resolve service matters while prioritizing professionalism and responsiveness.

Vincent Graduated from Queens College in 2024 with a Bachelor of Business Administration, majoring in Finance, and holds his Series 7 License. He resides in Queens, NY and enjoys watching sports, playing softball, traveling, and spending time with family and friends.

About Kayleigh Lavender

Kayleigh works closely with high net worth and institutional clients to deliver investment solutions tailored to each client’s objectives and constraints. She draws on nine years of experience across capital advisory and portfolio management roles, including three years supporting capital raises for Private Equity and Real Assets firms and five years in asset management roles at J.P. Morgan Advisors and Deutsche Bank Private Bank. Her background in fixed income and alternative investments informs her perspective, and she is especially passionate about integrating those capabilities into a comprehensive, goals-based approach.

The most rewarding aspects of Kayleigh’s role are collaborating with clients day to day, identifying portfolio optimization opportunities, and delivering solutions that help clients feel informed and supported through changing markets and evolving priorities. Her client experience includes working with institutional relationships, entrepreneurs, female executives, athletes, and multi-generational families.

Kayleigh earned a Bachelor of Science in Labor and Industrial Relations from Cornell University, along with minors in Business and German Studies. During her time at Cornell, she met her husband while they were both members of the track and field team. They enjoy weekends in Rye with their two dogs, getting back to New York City to visit their favorite restaurants, and taking trips to the mountains for skiing and hiking.

About Joseph Priore

Joseph Priore serves as a Registered Client Service Associate with The Cotto Group, where he is known for delivering dependable, high-touch service and keeping complex client needs moving forward. Licensed with FINRA Series 7 and 66, Joseph brings a decade of experience gained across four financial institutions, partnering directly with advisors to support client relationships, streamline operational workflows, and help ensure timely, accurate execution. His experience includes servicing 401(k) plans and supporting high net worth clients, reinforcing a disciplined, detail-oriented approach to service.

Born and raised in New York, Joseph earned his B.S. in Finance from Manhattan College and brings a consistent, client-first mindset to every interaction. Outside of work, he values time with his large Italian family, stays active at the gym, and enjoys nonfiction reading focused on markets, history, and biographies. His favorite place to recharge is Aruba.

About Alex Passante

Alex is a Registered Client Service Associate with The Cotto Wealth Management Group, having joined the team in June 2026. In his role, Alex supports the delivery of exceptional service to clients by helping coordinate account administration, client communications, and operational processes. Working closely with the team's advisors and support staff, he is committed to providing responsive service, maintaining operational efficiency, and helping ensure clients receive a seamless experience.

Alex graduated from Syracuse University in 2025 with a Bachelor of Science in Finance and holds his Series 7, Series 66, and SIE licenses.

In his free time, Alex enjoys staying active in the gym, playing pickleball, and attending various sporting events. He resides in New York City and enjoys spending summers on Long Beach Island at the Jersey Shore with family and friends.

About Christian Dinallo

Christian Dinallo is a Registered Client Service Associate for The Cotto Wealth Management Group at Morgan Stanley in Purchase, New York, delivering responsive, detail-oriented support to the team’s high-net-worth and institutional clientele. Working in close partnership with the advisory team, he helps manage day-to-day operations, coordinates client service needs, and ensures a seamless experience grounded in professionalism and trust.

Joining the firm in 2026, Christian has developed a focused expertise in supporting Equity Compensation Plans. In this capacity, he assists with transaction coordination, account management, and operational support across the various stages of the process — from inception through maturity — while also contributing to the team’s broader initiative to integrate emerging AI technology into its operations and client experience.

He graduated from the University of Delaware with a Bachelor of Arts in Business and Economics and brings prior experience in client-facing financial services roles. Christian holds the Securities Industry Essentials (SIE), General Securities Representative (Series 7), Uniform Securities Agent State Law (Series 63), and Uniform Investment Adviser Law (Series 65) FINRA licenses, as well as the NY Life and Health Insurance certification.

Outside of the office, Christian resides in the Katonah, New York area and enjoys the outdoors, cooking, weightlifting, and spending time with his dog.

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
Photo of Marianne Murphy

Marianne Murphy

Private Banker
Photo of Mary Gelfand

Mary Gelfand

Financial Planning Director
Photo of Chris Smith

Chris Smith

Trust Specialist
Photo of Angelo Loumbas

Angelo Loumbas

Family Office Resource Generalist

About Marianne Murphy

Marianne Murphy is a Private Banker serving Morgan Stanley Wealth Management offices in New York and Connecticut.

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.

Marianne began her career in financial services in 2015 and joined Morgan Stanley in 2018 as an Associate Private Banker in Midtown Manhattan. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.

Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in South Norwalk, Connecticut with her husband. Outside of the office, Marianne enjoys kayaking and is always catching the latest released movies or Yankees game.
NMLS#: 1732135

About Mary Gelfand

Mary Gelfand is a vice president and financial planning director serving Morgan Stanley Wealth Management offices in Westchester County, NY and Fairfield County, CT. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.



Mary began her career in financial services in 2003 and joined Morgan Stanley in 2024. Prior to her current position, she worked for Fidelity Investments, Smith Barney, and Ameriprise.



Mary graduated from the University of Florida and holds her CERTIFIED FINANCIAL PLANNER™ designation. Mary lives in Westchester County, NY, with her husband and children. Outside of work, Mary is an advocate for children’s healthcare and serves on the Family Advisory Council for the Morgan Stanley Children’s Hospital of NY.



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.



© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.

About Chris Smith

Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.

Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.

About Angelo Loumbas

Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.

Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).

Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
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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.

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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.

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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.

Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.

Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.

Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.

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

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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your larger financial picture – today and tomorrow.

  • Vesting events
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  • Restricted stock units
  • Tax implications

Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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A Simple Six-Step Retirement Checkup
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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Iran Conflict: Seven Takeaways for Investors
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Iran Conflict: Seven Takeaways for Investors

Prolonged conflict with Iran could lead to higher oil prices, hotter inflation and greater market uncertainty.

Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
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529 Plans: A Powerful Tool to Save for Education
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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
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Financial Planning for Life After Selling a Business
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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.

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Donor Advised Funds: A Smart Way to Manage Your Giving

There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.

Wealth Management for Athletes and Entertainers

Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
  • Investment Management
  • Wealth Transfer & Philanthropy
  • Private Banking Solutions
  • Family Governance & Wealth Education
  • Lifestyle Advisory
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You are your Own CEO: Build a Dream Team for Your Career
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You are your Own CEO: Build a Dream Team for Your Career

Assembling a team of trusted professionals to manage your career?and your money?is essential to help best position you to thrive. Here?s how.

Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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  • Improve retention and engagement, and
  • Set themselves apart by offering comprehensive financial wellness benefits.
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The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The Cotto Wealth Management Group today.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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10Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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11Morgan 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.

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12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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13Morgan 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.

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14Morgan 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.

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15Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.

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16Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.

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17Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)