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Nikolay zotenko has distinguished himself as a finance professional with a proven record of strategic insight, entrepreneurial drive, and a passionate dedication to improving financial literacy. With over a decade of experience in high-stakes finance and wealth management, nikolay combines deep industry knowledge with an innovative mindset making him a respected voice in today’s financial landscape.












Nikolay Zotenko began his career at MorganStanleyinAugust2015,serving as a Financial Advisor in both Beverly Hills,CA,andNewYork,NY.Duringthis time,heprovidedtailoredguidanceto clients with diverse needs, covering areas like investment planning, retirement strategies, and holistic wealth management. His role at MorganStanleysolidifiedhisreputation as a trusted advisor committed to deliveringclient-focusedsolutions.












Harnessing his ambition to catalyze positive financial change, Nikolay Zotenko founded UrDoc, a groundbreaking digital platform designed as the first-ever financial history database. UrDoc empowers individuals and institutions by consolidating financial records and delivering actionable insights an initiative that reflects his belief in transparency, informed decisionmaking, and technology-driven empowerment.












Nikolay Zotenko actively engages his community through insightful commentary and thought pieces. A notable 4yearold LinkedIn post emphasized the growing importance of womeninfinancialleadership,observing that "by 2030, women are expected to control more than $30trillion in US household financial assets" and urging proactive financial planning. His writings consistently champion accessible financialguidance,fosteringacultureof awarenessandresponsibility.












Holding a degree from the State University of Management, Nikolay Zotenko combines solid academic training with practical industry expertise spanning roles in IT, management, advisory, and fintech. His career’s arc demonstrates a seamless integration of analytical acumen with visionary leadership, especially within emerging financial technologysectors.










1. Client-Centric Approach: Acrosshis tenure at Morgan Stanley and beyond, Nikolay consistently prioritized personalized client strategies,balancingrisk,growth,and alignmentwithindividualgoals.


2. Innovation-Driven Strategy: Launching UrDoc reveals his entrepreneurial strength and drive to bring clarity and innovation to the understandingofpersonalfinance.
3. Industry Insight & Leadership: With deep expertise in investment trends, regulatory frameworks, and market behavior, Nikolay is well-equipped to guidebothindividualsandenterprises throughfinancialcomplexities.


4. Passion for Sharing Knowledge: His written and spoken communications on finance—particularly around demographic shifts and strategic planning underscore a commitment to educating and uplifting his audience.










Enhance UrDoc’s reach, connecting users with their complete financial narratives.
Host webinars and workshops aimed atimprovingfinancialcompetency.
Advise organizations on adopting fintech tools for better financial management.


Engage with the community,sharing candid insights on the balance between bold innovation and diligentcompliance.








Nikolay Zotenko professionalodyssey from high-performance advisory roles at Morgan Stanley to the founding of a pioneering fintech platform—exemplifies resilience, creativity, and a forward-thinking mindset. While hiscareerincludes a regulatory challenge resolved in 2022,histransparentandresponsible approach highlights a deeper journey toward professional growth andintegrity.


For those seeking a finance leader who pairs technical expertise with entrepreneurialvisionandleadswith conviction Nikolay Zotenko representsacommendableblendof innovationandcommitment.


















