Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Portfolio Manager
Phone:
(305) 460-7816(305) 460-7816
The Koios Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service safeguarding generational wealth for high-net-worth families, through bespoke investment, tax, estate and risk strategies.
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At The Koios Group, we provide peace of mind by helping you define and meet your life’s goals. As your financial advisors, we bring to bear the full resources that Morgan Stanley has to offer to provide advice across investing, lending, financial planning, estate planning, insurance and philanthropy as well as other areas of expertise. With a combined 100+ years of experience, we bring a diverse set of experiences that help create custom solutions for you
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International Client Advisor
Our team is focused on addressing the diverse needs of our international clients, offering tailored financial strategies that consider the complexities of managing wealth across different jurisdictions. The Koios Group at Morgan Stanley is committed to providing high-quality service and leveraging our expertise to support our global clientele. We understand the challenges and opportunities that come with international financial management and are here to assist you in making informed financial decisions.
As International Client Advisors, we offer a range of services designed to meet the varied needs of our clients. We emphasize a client-focused approach, taking the time to understand your financial landscape and goals. Our team utilizes Morgan Stanley's global resources and insights to offer strategies that align with your objectives
Location
220 Alhambra Circle 10th
Fl
Coral Gables, FL 33134
US
Direct:
(305) 460-7800(305) 460-7800
Meet The Koios Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(305) 476-3342(305) 476-3342
Andrea Prado Bing Zaremba
Financial Advisor, International Client Advisor, Portfolio Manager
Phone:
(305) 476-3335(305) 476-3335
Phone:
(786) 848-3054(786) 848-3054
Vladimir Filipović, MBA
Registered Client Service Associate
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 Eduardo 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: GA, CO, OH, NV, CA, PR, MS, DE, VA, TX, TN, NC, MI, MN, IL, AR, NY, AZ, IN, WY, NJ, VI, SD, SC, PA, MD, MA, ID, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1698559
NMLS#: 1698559
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: ID, MD, MI, DE, MA, AR, TX, PA, FL, OH, NJ, GA, VI, PR, AZ, SD, IN, CO, NC, VA, TN, NY, NV, MS, IL, CA, WY, SC, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1875368
NMLS#: 1875368
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: TX, TN, OH, AZ, IN, FL, VA, GA, WY, PA, NV, NC, MS, MD, PR, MN, VI, NJ, IL, ID, CO, MI, MA, DE, AR, SD, SC, NY, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2651568
NMLS#: 2651568
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: VI, VA, SC, NV, MN, IL, ID, TX, NY, WY, SD, PR, OH, NJ, PA, MI, FL, CO, AZ, MD, DE, CA, MA, GA, NC, IN, AR, TN, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2657800
NMLS#: 2657800
About Vladimir Filipović, MBA
In my role at Koios, I focus on strengthening team execution and enhancing the client experience by providing high-touch service. I serve as the primary point of contact for client service requests, coordinating timely resolution and ensuring a consistent, high-quality experience. In addition, I provide operational and trading support across the team and act as a liaison among clients, advisors, and internal partners. My background includes supporting clients in both the United States and internationally.
I was raised in Belgrade, Serbia, where the city’s enduring spirit helped shape my perspective and work ethic. I later earned a basketball scholarship that enabled me to pursue higher education in the United States, with experiences spanning Lubbock, Texas; Blue Mountain, Mississippi; and Miami, Florida, where I completed my MBA.
Outside of work, I highly value family life as a husband and a father, as well as reading and writing. I am fluent in English, Spanish, and Serbian
I was raised in Belgrade, Serbia, where the city’s enduring spirit helped shape my perspective and work ethic. I later earned a basketball scholarship that enabled me to pursue higher education in the United States, with experiences spanning Lubbock, Texas; Blue Mountain, Mississippi; and Miami, Florida, where I completed my MBA.
Outside of work, I highly value family life as a husband and a father, as well as reading and writing. I am fluent in English, Spanish, and Serbian
About Iris Pacheco
Iris began her career as a financial associate at American Express Bank in 1989 and has since, gained a wealth of experience working with high-net-worth families throughout Latin America. For more than 35 years, she has dedicated her time to helping her clients reach their financial goals. Iris has focused on providing multi-generational investment services, along with lending and cash management solutions to all the families she works with.
Originally from Peru, Iris attended the University of Ricardo Palma in Lima, where she studied languages and was a certified translator in German and French. Iris came to the United States in 1987 and began her career at American Express Bank in Los Angeles. In 1993, American Express relocated her to Miami. Iris was a senior relationship manager covering clients from Mexico, Argentina, Peru, Colombia and Venezuela. In 2003, Standard Chartered acquired American Express and by 2009 they exited the international banking business in the United States. It was then that Iris moved her clients to Citigroup’s Personal Investments International Office in Miami. While at Citi, Iris worked as a financial advisor and by 2015, she to left Citi to join Morgan Stanley. Iris was able to continue dedicating her time to her clients while providing them the full array of cash management and investment solutions that Morgan Stanley had to offer.
Iris resides in Miami and has two children, Jonathan and Jackie. Outside of work, she enjoys traveling, spending time with family and is an active member in the community, donating her time to a variety of worthy organizations through Morgan Stanley’s Charitable Giving Program including Habitat for Humanity, among others.
Originally from Peru, Iris attended the University of Ricardo Palma in Lima, where she studied languages and was a certified translator in German and French. Iris came to the United States in 1987 and began her career at American Express Bank in Los Angeles. In 1993, American Express relocated her to Miami. Iris was a senior relationship manager covering clients from Mexico, Argentina, Peru, Colombia and Venezuela. In 2003, Standard Chartered acquired American Express and by 2009 they exited the international banking business in the United States. It was then that Iris moved her clients to Citigroup’s Personal Investments International Office in Miami. While at Citi, Iris worked as a financial advisor and by 2015, she to left Citi to join Morgan Stanley. Iris was able to continue dedicating her time to her clients while providing them the full array of cash management and investment solutions that Morgan Stanley had to offer.
Iris resides in Miami and has two children, Jonathan and Jackie. Outside of work, she enjoys traveling, spending time with family and is an active member in the community, donating her time to a variety of worthy organizations through Morgan Stanley’s Charitable Giving Program including Habitat for Humanity, among others.
About Esperanza Ponce
Esperanza (Espy) Ponce joined Morgan Stanley in 2025. Prior to joining the firm, she worked at Truist as a Regional Support Leader in the Wealth Division segment, managing a team supporting Wealth Advisors and ensuring delivery of exceptional client experience.
Espy was born in Cuba and came to the United States with her family as a toddler during the freedom flights. Espy received her BA from FIU. She has an adult son who is a first responder serving and protecting the community in Houston, Texas. Espy resides in Miami, FL, and during her leisure time, she enjoys the performance of arts, attending live theater and concerts.
Drawing on 40 years of experience in financial services, Espy supports The Koios Group by delivering a consistent client service experience with clear communication and appropriate follow-up.
Espy was born in Cuba and came to the United States with her family as a toddler during the freedom flights. Espy received her BA from FIU. She has an adult son who is a first responder serving and protecting the community in Houston, Texas. Espy resides in Miami, FL, and during her leisure time, she enjoys the performance of arts, attending live theater and concerts.
Drawing on 40 years of experience in financial services, Espy supports The Koios Group by delivering a consistent client service experience with clear communication and appropriate follow-up.
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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*.
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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.
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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.
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