WELCOME!

OUR STORY
The Zitzmann Lima Group at Morgan Stanley is a team of dedicated professionals who are committed to providing exceptional service and personalized wealth management solutions to their clients. We understand that our clients have unique financial goals and objectives, and we work closely with them to develop customized investment strategies.
OUR CLIENTS
At The Zitzmann Lima Group, our clients are at the heart of everything we do. We prioritize building strong relationships. Overtime, our clients become like family to us. Working with our clients is a great honor, and we are humbled by the trust they have in us.

We specialize in providing comprehensive wealth management solutions to a select group of individuals, that includes family stewards, endowments, and closely held business owners. Our investment philosophy is focused on aligning client portfolios with long-term goals and revolves around concepts such as asset allocation, tax-smart investing, and the three phases of wealth management: creation, preservation, and transfer.

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

OUR PROCESS, YOUR EXPERIENCE

The Zitzmann Lima Group Process

1. Discovery Meeting:

  • An integral part of the wealth management process, this initial meeting is dedicated to gaining a comprehensive and profound understanding of you and your family. This meeting aims to delve into the aspects that hold utmost significance to you, allowing us to tailor our services accordingly. We are committed to learning about your unique needs, aspirations, and priorities, ensuring that our approach is personalized and aligned with your specific goals.

2. Investment Plan Meeting

  • During this meeting, we will have the pleasure of introducing you to the comprehensive investment plan we have developed. This plan is specifically tailored to align with your unique financial goals and aspirations. We are eager to share the details and strategies that will empower you to make informed investment decisions. Our aim is to provide you with a clear roadmap for achieving financial success and maximizing your returns.

3. Mutual Commitment Meeting

  • At this meeting, we will address any questions you might have regarding the investment plan. We are excited to explore the possibility of working together and embark on a journey towards realizing your financial goals. This session will serve as an opportunity to evaluate our compatibility and devise a plan that will enable us to effectively collaborate and support your aspirations. We are confident that, together, we can make significant progress towards achieving your financial success.

4. The 45 Day Meeting

  • Our 45-day meeting offers a valuable opportunity to assist you in comprehending and organizing any financial documentation you may have received. Additionally, it allows us to touch base and provide any necessary support or assistance. This meeting ensures that we are available to address any concerns or queries you may have, while also offering our services in a helpful and attentive manner.

5. Regular Progress Meetings

  • During our Regular Progress Meetings, we will keep you informed about the progress we have made to enhance the likelihood of achieving your most important goals. These meetings provide an opportunity to discuss any changes in your life that may have occurred. Furthermore, during your first Regular Progress Meeting, we will present the Advanced Plan to further support your objectives.
OUR ADVANCED PLANNING STRATEGIES
  • Keep — We aim to produce the best possible investment returns consistent with your level of risk tolerance and to minimize the tax impact on those returns.
  • Transfer — We strive to find and facilitate the most tax-efficient way with legal/tax professionals to pass assets to succeeding generations, and to do so in a way that helps meet your wishes.
  • Protect — Our job is aimed at preserving your wealth against potential creditors, litigants, children's spouses and potential ex-spouses, as well as protecting you against catastrophic loss.
  • Give — Charitable Giving helps fulfill your charitable goals and can often support efforts in each of the other three areas.
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    2018 - 2026 Barron's Top 1,200 Financial Advisors: State-by-State

    Barron's Top 1,200 Financial Advisors: State-by-State (formerly Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026*). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.*

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    CEPA® - Certified Exit Planning Advisor (John Zitzmann & Daniel Lima)

    The CEPA® Certified Exit Planning Advisor credential is for professional advisors who want to effectively engage more business owners.

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    CIMA® - Certified Investment Management Analyst® (John Zitzmann)

    The CIMA® certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.

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    CFP® - Certified Financial Planner™ (Daniel Lima & Kristen Springer)

    The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning.

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    QPFC - Qualified Plan Financial Consultant (Daniel Lima)

    QPFC is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The QPFC program provides an understanding of general retirement planning concepts, terminilogy, distinctive features of qualified plans and the role of retirement plan professionals.

A Meaningful Advantage for You & Your Employees

The Problem? Financial stress at work is hurting employee productivity.

  • 85% of Americans are anxious about their financial lives.
  • Nearly 1 in 3 employees report that issues with personal finances have been a distraction at work.
  • 13 hours per month, on average, is spent by employees worrying about money matters at work.

The Solution. Morgan Stanley Financial Wellness is a holistic offering available for your employees, designed to help them reduce financial stress and empower them to plan, prepare and reach their financial goals. We can help give your employees the confidence to take charge of their finances and their future. By improving your employees' financial wellness, you can benefit from a more productive workforce. Here are some key advantages:

  • Increased Productivity
  • Improved Job Satisfaction
  • Higher Retention
  • Better Utilization of 401(k) plans
  • Reduced Distraction & Absenteeism
  • Reduced Health Insurance Costs

Progam Features Include:

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    Financial Wellness Action Plan

    We offer a tailored program to enhance your employees' financial well-being. Our comprehensive approach covers various topics and equips them with the knowledge to make informed financial choices.

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    Financial Coaching Services

    We connect with your employees to offer guidance on budgeting, managing debt, and addressing credit concerns. Our expertise helps them navigate these financial areas effectively.

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    On-Site Seminars and Webinars

    Collaborating with business owners and corporations, we identify engaging seminar topics and deliver them through our skilled practitioners, ensuring valuable and informative sessions.

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    Holistic Financial Planning

    We engage with employees to understand their values, goals, and develop wealth strategies. We offer free financial plans for business owners and key employees, both planning and implementation services in one place.

Tools & Resources for Business Owners

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    Lending

    Morgan Stanley offers lending opportunities: acquire & expand businesses; purchase machinery, equipment & inventory; refinance debt.

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    Succession Planning

    Smoothly sell your business and reap the rewards of years of entrepreneurial savvy and hard work.

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    Financial Wellness

    Empower employees with a customizable solution to make finances a source of wellness, not stress.

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    Custom Retirement Plan Design

    We integrate qualified plans (defined benefit & defined contribution) and review non-qualified deferred compensation plans for improvements.

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    Employee Stock Ownership Plans

    For 45 years, Morgan Stanley Global Stock Plan Services excels in administering corporate stock plans efficiently and effectively.

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    Connections to Legal & Tax Advisors

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

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    Insurance

    A sound wealth plan mitigates risks and protects your business, assets, and family with insurance products.

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    Captive Insurance

    Find out how you can potentially reduce risk, decrease taxes, and build wealth with this insurance strategy.

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    Corporate Mission Statements

    We provide what's needed to reach goals, advance missions, and support your employees.

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    Family Governance

    Achieve the exceptional feat of raising capable successors for your family enterprise with our guidance.

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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

One Financial Plaza
19th Floor
Providence, RI 02903
US
Direct:
(401) 863-8472(401) 863-8472
Toll-Free:
(800) 488-1241(800) 488-1241
Office Parking - Down City Parking
110 Westminister St
Providence, RI 02903
US

Meet The Zitzmann Lima Group

Photo of John Zitzmann

John Zitzmann, CIMA®, CEPA®

Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, Senior Investment Management Consultant, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(401) 863-8472(401) 863-8472
Photo of Kristen Springer, CFP®

Kristen Springer, CFP®

Financial Planning Analyst*, CERTIFIED FINANCIAL PLANNER®*
Phone:
(401) 276-5976(401) 276-5976
Photo of Mark Caprio

Mark Caprio

First Vice President, Group Director
Phone:
(617) 589-3447(617) 589-3447
Photo of Sarah Lavigne, FPS®*

Sarah Lavigne, FPS®*

Registered Client Service Associate, Financial Planning Specialist*, Alternative Investments Specialist*
Phone:
(401) 276-5988(401) 276-5988
Photo of Aaron Osei

Aaron Osei

Wealth Management Analyst
Phone:
(401) 276-5974(401) 276-5974
Photo of Lauren Diack

Lauren Diack

Client Service Associate
Phone:
(401) 457-7617(401) 457-7617
Photo of Brittney Lafleur

Brittney Lafleur

Client Service Associate
Phone:
(401) 863-8437(401) 863-8437

About John Zitzmann

John Zitzmann is a Wealth Advisor, Managing Director and Senior Investment Management Consultant at Morgan Stanley.  He began his career as a financial advisor at Prudential Securities in 1992. He joined Dean Witter in 1994 where he served as the research broker to the Ford Foundation.  Dean Witter merged with Morgan Stanley in 1997 and John has been with Morgan Stanley ever since.  John has received the Certified Investment Management Analyst (CIMA®) designation from the Investment Management Consultants Association, issued as a result of his studies at the Wharton School of Business.  He is a graduate of Bowdoin College.  John is the team leader and head of relationship management for his clients.  John resides in Barrington, RI with his wife Christine and 3 daughters.  He enjoys spending time with his family, cooking, playing tennis, jogging and reading books about history.
Securities Agent: NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, MA, MD, ME, MI, MN, MO, MT, NC, NH, NJ, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1412069

About Daniel F. Lima

Dan has been a Financial Advisor and Financial Planning Specialist at Morgan Stanley since 2016. From 2017-2021, Dan was elected to Morgan Stanley’s Pacesetter’s Club, a global recognition program for Financial Advisors who, within their first five years, demonstrate the highest professional standards possible and world-class client service. Dan is a holder of the CERTIFIED FINANCIAL PLANNER (CFP®) designation, the most-widely recognized certification in the industry for comprehensive financial planning. Dan also holds the CEPA® (Certified Exit Planning Advisor) designation, which allows him to better serve business owner clients that are looking to maximize their business valuation and guide them through a transition.

Prior to joining Morgan Stanley in 2016, Dan served as a Teach For America corps member and taught high school math in Providence, RI. Dan currently serves on the Teach For America - Rhode Island Regional Advisory Board.

Dan holds a B.A. in Economics and Psychology from Williams College and a Master of Education degree from Rhode Island College. Dan is an Eagle Scout, and he was the captain of the Williams College men’s soccer team. The proud son of two immigrants, Dan is a first-generation Portuguese & Brazilian-American. Outside of work, Dan enjoys being active, travelling with his family, skiing, and cooking. Dan is fluent in Portuguese and Spanish.
Securities Agent: ID, AL, OH, NC, IA, GA, DE, WI, OR, OK, KS, MN, FL, AZ, SD, DC, MT, IN, VT, VA, TX, TN, NH, IL, CT, RI, MA, CO, CA, WV, WA, PA, NJ, ME, UT, SC, NY, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1571575
CA Insurance License #: 4261305

About Kristen Springer, CFP®

Kristen Springer is a Financial Planning Analyst, CERTIFIED FINANCIAL PLANNER®, and Financial Planning Specialist at Morgan Stanley. She has had prior experience with many aspects of the business including options trading, syndicate, alternative investments and portfolio management during her 20-year career. Ultimately, Kristen believes that truly understanding clients and their goals is the most important piece of a productive wealth management experience. Kristen prides herself on building and maintaining strong client relationships.

Kristen is a graduate of the University of Massachusetts at Amherst with a degree in Psychology and a Minor in Economics. Kristen holds the FINRA Series 7 and Series 66 licenses. Outside of work, Kristen enjoys spending time with her husband and children and connecting with friends. She can often be found on the sideline of a youth sports game, volunteering with a local service dog organization or going to concerts.

This role cannot solicit or provide investment advice.

About Mark Caprio

Bringing over a decade of financial service industry experience to his role as Group Director, Mark Caprio is responsible for the supervision and management of The Zitzmann Group's operational efforts, as well as the execution of business and service functions of the team.

Prior to joining the team, Mark was the Business Service Officer for Morgan Stanley’s Private Wealth Management Division in Boston, MA. In that role, he oversaw all of the Private Wealth Management support professionals across the Boston, Wellesley, and Hartford offices. Mark began his professional career at Merrill Lynch, where he spent 8 years progressing from Investment Center Team Manager to Senior Digital Associate. He joined Morgan Stanley in 2022 and joined The Zitzmann Group in 2026.

Mark graduated from Providence College with a B.S. in finance and went on to earn an M.S. in finance and MBA, concentrating in technological entrepreneurship, from Northeastern University.

Mark resides in his hometown of Cranston, Rhode Island, with his wife, Lauren, and their corgi, Lily. When not at work, he enjoys gardening, travelling and rooting for the Providence Friars’ basketball team.

About Sarah Lavigne, FPS®*

Sarah is a Registered Client Service Associate, Alternative Investments Specialist*, & Financial Planning Specialist*. She is both Series 7 and 66 licensed and is insurance licensed as well. Prior to joining Morgan Stanley in 2022, Sarah had worked at Merrill for 2 years, learning the industry’s mechanics. She graduated from the University of Rhode Island with a BS in Finance, Magna Cum Laude. While in her senior year at that school, Sarah had been 1 of 15 students uniquely chosen to manage the university’s hedge fund.

Sarah currently resides in Coventry, RI with her cat, Stevie and dog, Arthur. She has always been an avid animal lover and, while growing up, was a year-round competitive soccer player. Outside of the office, she currently spends her winter months snow skiing up north with family and friends, while waterskiing, fishing, and boating in the summer.

Sarah is a passionate exercise enthusiast, attends Pilates classes, Pickle-Ball matches, and daily outdoor walks. In addition, she prioritizes nutrition, spending time cooking new recipes for those she cares about. Other interests include, but aren’t limited to, art, design, travel, fashion, and woodworking. Finally, Sarah has volunteered for organizations such as the American Heart Association, the ASPCA, and Best Buddies International.

*This role cannot solicit or provide investment advice.
Securities Agent: OH, WV, WA, VT, VA, TX, TN, SD, SC, RI, PA, OR, OK, NY, NM, WI, NJ, NH, NC, MT, MO, MN, MI, ME, MD, MA, LA, KS, IN, IL, ID, IA, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative

About Aaron Osei

Aaron Osei is a Wealth Management Associate at Morgan Stanley. Aaron has more than 5 years of experience working in wealth management and finance. Prior to joining The Zitzmann Group at Morgan Stanley, Aaron most recently served as a Private Client Relationship Manager at Citizens Bank where he supported clients with their day-to-day financial needs. In this role, he also provided valuable insights and assistance to several financial advisors throughout the region. Aaron focuses on providing professionalism, courtesy, and attention to detail when working with clients.

Aaron is a graduate of the University of Rhode Island where he earned his Bachelor of Arts degree in Communication Studies. Aaron holds the FINRA Series 6, Series 7, Series 63, and Series 65 licenses, and he also holds life and health insurance licenses. Aaron is a Providence area native, and he is proud to still call the region home. Outside of work, Aaron enjoys being active and going out for early morning runs. He enjoys spending quality time with his nieces and nephew as well.

About Lauren Diack

Lauren Diack is a Client Service Associate with the Zitzmann Group. She began working in financial services in 2024 at an independent financial advisory office in Rhode Island before joining Morgan Stanley. Lauren is highly detail-oriented and organized, and she takes pride in helping clients navigate their day-to-day service needs with accuracy, care, and professionalism.

Originally from New York, Lauren moved to Rhode Island after graduating from Binghamton University, where she earned her Bachelor of Arts degree in History, and later completed her MBA. She holds the FINRA Series 7 license and is currently studying for the Series 66. Lauren is curious by nature and enjoys continuing to build her knowledge so she can serve as a helpful resource to clients and colleagues alike.

Outside of the office, Lauren enjoys spending time outdoors and exploring Rhode Island. She can often be found walking through Providence’s different neighborhoods, visiting the state’s beach towns, or browsing antique shops and consignment stores.

Awards and Recognition

Barron's Top 1,200 Financial Advisors: State-by-State
2018-2026 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2018-2026). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.

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
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Evan J. Patterson

Private Banker
Photo of Angelo Loumbas

Angelo Loumbas

Family Office Resource Generalist
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Victor Elezaj

Trust Specialist
Photo of Chris Smith

Chris Smith

Trust Specialist
Photo of Shannon Canning

Shannon Canning

Executive Director, Head of Municipal Fixed Income Products and Content
Photo of William O'Brien

Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Photo of Vincent Tirino

Senior Vice President, Wealth Management, Financial Advisor, Senior Institutional Consultant, International Client Advisor
Photo of Jake Vurpillat

Jake Vurpillat

Wealth Solutions Associate - Cash Management

About Evan J. Patterson

Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.

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.

Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.

Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinemas, reading books, and listening to vinyl records.
NMLS#: 800467

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).

About Victor Diune

Victor Diune is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Northeast Region.  In this capacity, Victor provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory.  Victor has over 20 years of experience advising wealthy families, business owners, and their children. 
 
Victor has spent the last 22 years at Bank of America/Merrill Lynch.  Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning.  He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
 
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law.  He holds a Series 7 and 66 securities licenses.  He currently lives in Hopkinton, MA with his wife and their 4 children.

About Victor Elezaj

Victor Elezaj has over 29 years of experience in the wealth management industry helping families who possess significant wealth to preserve, protect, and distribute their wealth consistent with their most important priorities. He spent the past four years with Edward Jones Trust Company, initially as a Trust Consultant responsible for onboarding new Trust Company relationships. For the past three years, Victor served as the Trust Company’s first
Senior Trust and Wealth Strategist. In this capacity, Victor was responsible for providing estate and legacy planning advice and guidance, as well as delivering Edward Jones Trust Company capabilities to Edward Jones clients in the Northeast and Mid-Atlantic markets. In addition, over the past two years Victor supported the firm’s build and subsequent roll out of Edward Jones’ first high-net-worth (HNW) and ultra-high-net-worth (UHNW) Private Client platform as the dedicated Trust and Wealth Strategist on the HNW Client Development team.

Prior to joining Edward Jones Trust Company, Victor spent 23 years at Merrill Lynch. For the majority of his career at Merrill Lynch, Victor was a Trust and Estate Specialist/Wealth Strategist responsible for the introduction of Merrill Lynch Trust Company/U.S. Trust services and capabilities to Merrill Lynch clients in the Northeast. In this role, Victor partnered with Merrill Lynch Financial Advisors to work collaboratively with HNW/UHNW clients and their tax and legal counsel to update financial and estate plans, or to initiate incremental planning. Victor also partnered with Financial Advisors to serve Private Foundations and Endowments by providing fiduciary investment guidance and philanthropic consulting delivered through Merrill Lynch Trust Company/U.S. Trust.

Victor attended Pace University in Pleasantville, NY where he studied Economics. He resides in Waccabuc, NY, where he enjoys spending time with his wife and son.

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 Shannon Canning

Shannon Canning, Executive Director, Head of Municipal Fixed Income Products and Content, joined The Firm in September of 2008 and brings a wealth of experience and expertise to her role. She is responsible for providing sector and individual-name recommendations to help Morgan Stanley Financial Advisors implement fixed income strategy. The team produces fixed income content by leveraging Morgan Stanley Research and Strategy, the Global Investment Office, third-party research, and its own intellectual capital.

Shannon has had numerous roles within the broader municipal business, including Municipal sales, Trading Desk Credit Analyst for Morgan Stanley’s Institutional Fixed Income Division, and Head of Investor Marketing & Credit Strategy for Morgan Stanley Syndicate. Shannon holds a bachelor’s degree in mathematics from Quinnipiac University and lives in Connecticut with her husband Connor and 3 kids, Killian, Cormac, and Callum.

About Jake Vurpillat

Jake Vurpillat is a Wealth Solutions Associate & Cash Engagement Specialist at Morgan Stanley providing dedicated support to Financial Advisors and their teams. Operating as an extension of the FA/Team, Jake collaborates with clients to discover how best to engage and enroll in the services available at Morgan Stanley during their onboarding journey, specifically cash management. Jake provides guidance across a wide suite of cash management offerings and is able to help open cash management accounts, transfer funds, assist with credit cards and provide education on the breadth of what Morgan Stanley has to offer in the cash management space.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.

Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.

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

Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.

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.

Morgan Stanley Wealth Management Fixed Income Sales and Product Professionals provide services to Morgan Stanley Wealth Management Financial Advisors for information purposes only. They do not provide recommendations or solicitations to participate in any offer or sale of a security or trading strategy. It is the responsibility of the Morgan Stanley Wealth Management Financial Advisor to take into account the client's circumstances, investment objectives and risk tolerance before offering or selling securities to a client, to ensure such offer or sale is appropriate and consistent with the applicable standard of care.

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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
  • Option expirations
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  • Tax implications

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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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.

Family

Creating customized financial strategies for the challenges that today’s families face.
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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.

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
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  • Traditional Investments
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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.

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.

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

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

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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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.
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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.

1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.

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

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2Morgan 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.

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3Morgan 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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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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5Morgan 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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6Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.

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7Alternative 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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8Morgan 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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9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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10Morgan 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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11Products 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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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, 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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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), 4763067 (9/2025)