Our Philosophy

We believe in being totally committed to servicing a limited numbers of affluent families. We are committed to excellence in our profession. Integrity is a value of the utmost importance.

To simply state our goals, values and philosophy:

1. Always act with your family’s best interest in mind.
2. Fully disclose all fees.
3. Seek to consistently meet investment expectations.
4. Provide clear and timely communications.
5. Deliver a high level of personalized service.
6. Resolve problems quickly and to your satisfaction.
7. Continue to educate ourselves to excel in the profession.
8. Care more about your family than just your investments.
Services Include
  • Cash Management1
  • Certificates of Deposit2
  • Estate Planning Strategies3
  • Exchange Traded Funds4
  • Financial Planning5
  • Fixed Income6
  • Lending Products
  • Life Insurance7
  • Long Term Care Insurance8
  • Municipal Bonds9
  • Qualified Retirement Plans10
  • Retirement Planning11
  • Trust Accounts12
  • Philanthropic Services
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Working With You

  • Step 1: PERSONAL REVIEW
    We start by assessing where you are. We will determine what you own, what you owe, what you earn and your expenses. This is simply collecting baseline data and doesn’t deal with where you’re going or how you’re going to get there. It does give us a clear and shared understanding of the first thing you have to know in any journey…exactly where you are starting from.

    From there, we create a wish list of your hopes and dreams, what you would like to accomplish financially, for yourself and for the people you care about. For example, when and in what lifestyle do you want to retire? How much money can you spend in retirement (without running out)? Do you need to finance education for the kids or grandkids? What kind of risk can you take? What is your philosophy about legacies, heirs, charities? What would you do if you could?
  • Step 2: EVALUATION – PORTFOLIO PLANNING
    We will then determine if we can turn those hopes and dreams into concrete financial goals. When and how much will the things that you want to do cost? What is the gap between where you are today and where you want to be? How much time do you have to close any gaps? Can you put enough money away and can that money generate a sufficient return to help close the gap in the time allotted? If we find that you can, then we already have the framework and foundation for your plan. IF we find that you can’t, then we have to consider some trade offs. You will then have some decisions to make.
  • STEP 3: IMPLEMENTING YOUR PLAN
    At this point we will work up an investment strategy. Should you decide that a professionally managed investment portfolio is appropriate for you, we will have access to hundreds of investment firms all competing for your business. Or perhaps you prefer individual securities? If so, we can identify specific securities that will be suitable for your portfolio. In addition, you may also qualify for having some advanced investment strategies like alternative investments* (i.e. hedge funds or private equity) for a portion of your portfolio. No matter what investments we decide, we are committed to communicating candidly about investment risks and costs as well as potential rewards.

    *Alternative investments involve risk and are not suitable for all investors

    We will also coordinate the services of your other professionals such as your attorney or CPA, when appropriate, to create or change wills, trusts, tax planning and to implement your entire financial plan.
  • STEP 4: MONITORING AND REPORTING
    When your personal situation or market conditions change significantly, we can recommend adjustments to your portfolio as necessary. Additionally, you will receive a comprehensive quarterly review that outlines your portfolio’s performance, helping you track your progress toward your objectives.

Events

Please check back later.

    Working With You

      Location

      3801 Pga Boulevard
      Suite 700
      Palm Beach Gardens, FL 33410
      US
      Direct:
      (561) 694-7022(561) 694-7022
      Toll-Free:
      (800) 327-6187(800) 327-6187

      Meet The Gardens Group

      About Me

      Ms. Rosploch has more than 20 years of experience in helping clients map out their strategies which are designed to accumulate, preserve and transfer wealth, reduce and control taxes and simplifying their financial lives.

      Ms. Rosploch has the following credentials:

      CFP® - CERTIFIED FINANCIAL PLANNER™ certification.
      CRPC® - Chartered Retirement Planning CounselorSM designation.
      CMFC® - Chartered Mutual Fund CounselorSM™ designation.
      ADPA® - Accredited Domestic Partner Advisor™ designation.
      Series 7 – General Securities Representative license.
      Series 63 – Uniform State Exam license.
      Series 65 – Investment Advisory Agent License.
      Series 31 – Managed Futures license.
      Long Term Care Insurance license.
      Health, Variable Annuity & Life Insurance license.

      She is a graduate of Western Michigan University with a Bachelor of Science Degree in Electrical Engineering. She spent 7 years with General electric working for GE Funac, GE Supply and GE ED&C in various management positions.

      In 1999, Ms. Rosploch turned a passion for the financial markets into a career, and joined Merrill Lynch working as a Financial Advisor for 10 years before moving to Morgan Stanley in 2009.

      She is securities licensed in FL, AL, AZ, CA, CT, DC, GA, IL, IN, MA, ME, MI, MN, NC, NJ, NY OH, PA, TN, TX, UT, VT and WI.

      She is Long Term Care Insurance licensed in FL, AL, GA, IL, ME, MI, MN, NC, NJ, NY, VT and WI.

      She is Health, Variable Annuity and Life Insurance licensed in FL, AL, GA, IL, ME, MI, MN, NC, NJ, NY, VT and WI.
      Securities Agent: FL, WI, VT, UT, TX, TN, PA, OH, NY, NJ, NC, MN, MI, ME, MA, IN, IL, GA, DC, CT, CA, AZ, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
      NMLS#: 1253011

      About Me

      Before joining Morgan Stanley in 2013, Ms. Provo spent 23 years in the “Multi-Housing” industry helping clients grow revenues and ancillary income in both the apartment and condo industries. She was a Regional Vice President with Mac-Gray Corporation for 10 years and a Regional Director with HPC Publishing Company for 13.

      Ms. Provo served on the South East Apartment Association Board of Directors 1995-2001, 2005-2012. She also served on the Florida Apartment Association Board of Directors 1996-2012 and the Florida Apartment Association Executive Committee in 2001.

      She also co-owned and operated an independent insurance agency for 6 years in the early 80’s in Sarasota, Florida.

      Ms. Provo has the following securities licenses: l Series 7 – General Securities Representative License l Series 66 - Uniform Combines State License l Series 63 – Uniform State Exam License l Series 65 – Investment Advisory Agent License l Health, Variable Annuity & Life Insurance license She is Long Term Care Insurance Licensed in FL. 

      Ms. Provo is a graduate of St Cloud State University in Minnesota. She resides in Palm Beach Gardens, FL.
      Securities Agent: FL, VT, TN, SC, OH, NY, NJ, NC, MI, ME, MA, GA, CA; General Securities Representative; Investment Advisor Representative
      NMLS#: 1275736

      About Me

      About MeIleana Giles is a registered Portfolio Associate and holds series 7 and 66 licenses. She is committed to excellence and integrity in her role on our team to deliver a high level of personalized service.á áWith 22 years of experience in the industry and licensed she can assist with all of our account servicing needs. She is always available to clients to answer their questions or assist where and when needed. A resident of Palm City, Florida she and her husband raised two children. They enjoy traveling and spending time with friends and family.

      Investment and Market Perspectives

      On the Markets

      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
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      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
      The Simple Six-Step Retirement Checkup

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      Family

      Creating customized financial strategies for the challenges that today's families face.
      • Estate Planning Strategies
      • 529 Plans / Education Savings Planning
      • Long Term Care Insurance
      • Special Needs Planning
      • Trust Services
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      Philanthropy

      Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
      • Endowments
      • Foundations
      • Donor Advised Funds
      • Impact Investing
      A New Roadmap for Mission Alignment

      A New Roadmap for Mission Alignment

      Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
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      Ready to start a conversation? Contact The Gardens Group today.
      Market Information Delayed 20 Minutes
      Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

      1Morgan 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

      2CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.

      3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

      4An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

      5Morgan 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.

      6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

      7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      9Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

      10Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      11Morgan 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.

      12Morgan 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.

      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 suitable 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”) 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.


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