Phone:
(786) 848-3054(786) 848-3054
The Koios Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
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.*
Timely Market Insights
We are here to help you navigate the current market environment and what it means for portfolios. These are some resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Global Investment Committee Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On the Market
Market Insights available to help articulate the capabilities of Morgan Stanley as the destination of choice for latest on the market.
Investment Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Cybersecurity Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Estate and Financial Planning
We offer tailored solutions to help you secure your financial future and manage your legacy with confidence. Our team of experienced professionals is committed to providing guidance through the complexities of estate management and financial planning, ensuring your assets are protected and your wealth is strategically managed.
Our services encompass personalized estate planning, tax optimization strategies, wealth transfer solutions, and retirement planning. We work closely with you to understand your unique goals and develop a customized plan that aligns with your vision for the future.
The Koios Group at Morgan Stanley, upholds standards of transparency, integrity, and excellence. Our goal is to empower you with the knowledge and tools necessary to make informed decisions, providing peace of mind for you and your loved ones.
Please explore this tab to learn more about how we can assist you in achieving your estate and financial planning objectives. For the most current information and personalized advice, please consult with our team or refer to internal resources.
Estate Planning Essentials
- An estate plan can help ensure your assets are distributed according to your wishes after you die.
- Recording how you want your estate to be distributed may help prevent legal issues for your heirs.
- Donating assets can benefit charities while potentially reducing the size of your estate and future estate tax liability.
Personal Finance
Reading her for fresh insights on estate planning. See how Morgan Stanley experts can help you plan to protect your wealth and prepare for the future.
Retirement Roadmap
The path to your ideal retirement may have some twists and turns, but smart planning can help you reach your destination.
Building a Retirement Plan
In the years approaching retirement, you should be thinking about whether your current plan puts you in the best position to achieve the lifestyle you envision for your golden years.
Location
220 Alhambra Circle 10th
Fl
Coral Gables, FL 33134
US
Direct:
(305) 460-7800(305) 460-7800
Meet The Koios Group
Andrea Prado Bing Zaremba
Financial Advisor, International Client Advisor, Portfolio Manager
Phone:
(305) 476-3335(305) 476-3335
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(305) 476-3342(305) 476-3342
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Portfolio Manager
Phone:
(305) 460-7816(305) 460-7816
Vladimir Filipovic
Phone:
(305) 476-3333(305) 476-3333
Iris Pacheco
Phone:
(305) 460-7915(305) 460-7915
Esperanza Ponce
Phone:
(305) 476-3394(305) 476-3394
About Carlos Shteremberg
Having grown up in a family business, I understand firsthand the challenges and family dynamics involved in management, succession planning and ultimately a potential sale of that business. Marrying that personal background with experience advising similar families and a technical expertise rooted in research allows me to bring to bear the highest levels of sophistication and personal human connection to my clients.
Securities Agent: ID, TX, NY, WY, SD, PR, OH, NJ, AZ, MD, DE, CA, MA, GA, NC, IN, AR, PA, VI, MI, FL, TN, MS, VA, SC, NV, MN, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2657800
NMLS#: 2657800
About Andrea Prado Bing-Zaremba
As your Financial Advisor, I 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, I can help you to preserve and grow your wealth. You will 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.
Securities Agent: VI, MN, IN, FL, VA, GA, WY, PA, NV, NC, MD, MI, MA, DE, AR, NJ, IL, ID, MS, SD, SC, NY, CA, TX, TN, OH, AZ, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 2651568
NMLS#: 2651568
About Michael Truong
Michael is a Senior Vice President and International Client Advisor at Morgan Stanley. Michael builds strong lasting relationships with HNW & UHNW families, founders, corporate executives, doctors, CPAs, and family offices by implementing holistic tailored solutions designed to meet each client’s unique complexities and strategic goals. His international markets focus include Argentina, Uruguay, and Colombia.
Michael has over 18 years of industry experience. Prior to joining Morgan Stanley in 2019, he spent 5 years at JP Morgan Private Bank as an investment specialist and client advisor, 2 years at Wells Fargo Advisors as a Senior Client Associate, and 4 years at Scottrade as an Investment Consultant.
Michael received his Master of Business Administration from Hough Graduate School of Business at University of Florida. He holds the Chartered Financial Analyst® (CFA®) designation. Michael is fluent in English and Spanish.
Michael enjoys spending his free time his wife Lornalyn and their sons Lucas & Vincent. He enjoys hiking, basketball, beach volleyball, gardening, and lounging at the beach. Michael is from Puerto Rico and Lornalyn is from Maui.
Michael has over 18 years of industry experience. Prior to joining Morgan Stanley in 2019, he spent 5 years at JP Morgan Private Bank as an investment specialist and client advisor, 2 years at Wells Fargo Advisors as a Senior Client Associate, and 4 years at Scottrade as an Investment Consultant.
Michael received his Master of Business Administration from Hough Graduate School of Business at University of Florida. He holds the Chartered Financial Analyst® (CFA®) designation. Michael is fluent in English and Spanish.
Michael enjoys spending his free time his wife Lornalyn and their sons Lucas & Vincent. He enjoys hiking, basketball, beach volleyball, gardening, and lounging at the beach. Michael is from Puerto Rico and Lornalyn is from Maui.
Securities Agent: NC, MN, MD, MI, DE, MA, AR, TX, PA, FL, VI, PR, AZ, VA, TN, NY, NV, MS, IL, CA, WY, SC, ID, OH, NJ, GA, SD, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1875368
NMLS#: 1875368
About Eddie Carreno
Sophisticated Wealth Management for a Complex World
With over two decades of experience in the financial services industry, I serve as a strategic resource for ultra-high-net-worth families and individuals in the United States and abroad. I understand that significant wealth brings significant complexity. My mission is to simplify that landscape, delivering bespoke investment solutions that prioritize wealth preservation, tax efficiency and multigenerational growth.
My approach is holistic and rigorous. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), I adhere to the highest ethical standards, ensuring every recommendation serves your best interest. With a boutique client experience backed by the resources of a premier trading and execution platform, my practice is dedicated to solving the unique challenges facing wealthy individuals, including complex cross-border wealth planning, tax-efficient asset allocation, sophisticated portfolio construction and liability management. Whether focusing on asset allocation or investment manager selection, I build strategies designed to withstand volatile markets and changing financial climates.
My background is rooted in the intricacies of institutional-level finance. Prior to my current role, I held leadership positions including Area Investment Sales Manager for Citigroup’s Personal Investments International Office. I began my career in 2001 in the Securities Based Lending Group at Merrill Lynch and then spent time as a Financial Advisor in Merrill Lynch’s Private Bank and Investment Group, gaining deep experience handling the nuances of complex balance sheets. However, in 2015, I made the deliberate choice to step away from corporate management to return to my true passion: working directly with clients to architect their financial futures.
Born and raised in Miami, I am deeply rooted in the community. I earned my Bachelor of Science in Economics from Vanderbilt University as a Chancellor’s Scholar, followed by a Master of Business Administration from the University of Florida. When not advising clients, I enjoy outdoor sports and traveling, and I am also an avid gardener and painter. I reside in Miami with my wife, Letty, and we are the proud parents of four children: Joaquin, Antonella, Emilia, and Tomas.
With over two decades of experience in the financial services industry, I serve as a strategic resource for ultra-high-net-worth families and individuals in the United States and abroad. I understand that significant wealth brings significant complexity. My mission is to simplify that landscape, delivering bespoke investment solutions that prioritize wealth preservation, tax efficiency and multigenerational growth.
My approach is holistic and rigorous. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), I adhere to the highest ethical standards, ensuring every recommendation serves your best interest. With a boutique client experience backed by the resources of a premier trading and execution platform, my practice is dedicated to solving the unique challenges facing wealthy individuals, including complex cross-border wealth planning, tax-efficient asset allocation, sophisticated portfolio construction and liability management. Whether focusing on asset allocation or investment manager selection, I build strategies designed to withstand volatile markets and changing financial climates.
My background is rooted in the intricacies of institutional-level finance. Prior to my current role, I held leadership positions including Area Investment Sales Manager for Citigroup’s Personal Investments International Office. I began my career in 2001 in the Securities Based Lending Group at Merrill Lynch and then spent time as a Financial Advisor in Merrill Lynch’s Private Bank and Investment Group, gaining deep experience handling the nuances of complex balance sheets. However, in 2015, I made the deliberate choice to step away from corporate management to return to my true passion: working directly with clients to architect their financial futures.
Born and raised in Miami, I am deeply rooted in the community. I earned my Bachelor of Science in Economics from Vanderbilt University as a Chancellor’s Scholar, followed by a Master of Business Administration from the University of Florida. When not advising clients, I enjoy outdoor sports and traveling, and I am also an avid gardener and painter. I reside in Miami with my wife, Letty, and we are the proud parents of four children: Joaquin, Antonella, Emilia, and Tomas.
Securities Agent: PR, MS, DE, VA, NY, AZ, SD, TX, TN, NC, MI, MN, IL, AR, OH, NV, CA, SC, PA, MD, MA, ID, GA, FL, IN, WY, NJ, VI; General Securities Representative; Investment Advisor Representative
NMLS#: 1698559
NMLS#: 1698559
Contact Carlos Shteremberg
Contact Andrea Prado Bing Zaremba
Contact Michael Truong
Contact Eddie Carreno
Wealth Management
Global Investment Office
Portfolio Insights
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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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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 The Koios Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
