Rosa Maria Saldias Costa is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 11 years of industry experience. Her career includes five years each at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, as well as five years at Wells Fargo Clearing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized groups such as Estate Planning Strategies.

Adriano Schirmer De Campos is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has previously worked at Citibank, N.A. and CitiGroup Global Markets, Inc. He serves on the board and finance committee of the Greater Miami Adventist Academy, providing general advice on the development of the school. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Christopher Musino is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63, 65, and 66 licenses and 14 years of industry experience. He has worked at Morgan Stanley since 2016, including a role at Morgan Stanley Private Bank, N.A., and previously worked at Citigroup Global Markets, Raymond James & Associates, and Wells Fargo Clearing. Outside of his advisory work, he is involved in property management as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools, with offerings that include both broad retail and institutional investment solutions.

Nicholas Rubinowicz is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Federated Hermes Inc., UBS Financial Services, and Oracle Corporation. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering tailored financial planning supported by structured discovery and firm-approved tools.

Luis Rada is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 license and having approximately five years of industry experience across several firms, including Goldman Sachs, Citi, Deloitte, and Korn Ferry. He is also involved as an officer in Majorscale Ventures LLC, which is related to real estate investment activities outside of his advisory role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market models to support customized financial plans.

Ignacio Ferrari Thomas is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 credentials and with 27 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing. Outside of advisory work, he owns a marina in Miami, which he leases to a tenant. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by structured discovery processes and firm-approved tools.

Fernanda Bernd is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Her prior roles include positions at Citigroup Global Markets and Banco do Brasil SA, as well as over a decade at Cabelos Lindos Produtos e Servicos de Beleza Ltda. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies.

Marcos Bunge is a Series 66-licensed financial advisor with Morgan Stanley in Miami, FL, bringing 20 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years at Wells Fargo Clearing. Outside of his advisory work, he is a partner in MDE Venture LLC, a business related to elder care. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers both retail and institutional investment solutions.

Fernanda Valongo Cury is a financial advisor at Morgan Stanley with 20 years of industry experience, holding a Series 66 designation. Her career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2022, and prior experience at CitiBank and CITI International Financial Services LLC from 2006 to 2022. Outside of her advisory work, she is involved in a rental property business in Puerto Rico. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory programs supported by firm-approved tools and a broad range of investment services.

Juan Carlos Altamirano Millas is a financial advisor with Morgan Stanley based in Miami, FL, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Outside of his advisory role, he is the administrator of Comico Inversiones SL, an inactive company based in Spain. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process employs structured discovery and firm-approved tools, focusing on advisory services rather than individual security recommendations.

Ana Herce is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 23 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and UBS Financial Services. Outside of her advisory work, she is a 50% shareholder and director of a real estate construction company, Symar Construction Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and incorporates structured planning tools and the guidance of its Global Investment Committee in its process.

Bryan Bourre is a financial advisor at Morgan Stanley with six years of industry experience. He holds the Series 66 designation and has worked at firms including BTG Pactual Asset Management US LLC, Citigroup, and Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and models.

Eduardo Perez is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and previously worked at Boston Consulting Group, Harvard Business School, Altaba Inc., and JPMorgan Chase & Co. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Secular Return Estimates and Monte Carlo simulations to model financial outcomes.

Elaine Ripamonte is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Gonzalo Espinosa is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 credential and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years at Wells Fargo Clearing. Outside of his advisory role, he is involved in several real estate ventures as a proprietor and partner in multiple investment-related businesses in Chile and Miami. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs utilizing structured planning tools and investment modeling to support client outcomes.

Jorge Gomez is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, as well as five years at Wells Fargo Clearing. Outside of his advisory work, he is a sole proprietor of a real estate business. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm’s investment approach relies on structured discovery and firm-approved planning tools without making individual security recommendations as part of standalone plans.

Ana Cuervo is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 credentials and 30 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm’s process combines structured discovery conversations with firm-approved tools and employs methodologies such as Monte Carlo simulations and secular return estimates to assist in planning.

Marcelo Lewkowitz is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 22 years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at CITIGROUP for 16 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and market modeling techniques.

Mayra Roubach is a financial advisor with Morgan Stanley in Miami, FL. She holds a Series 66 designation and has been with Morgan Stanley since 2025. Prior to joining the firm, she was self-employed for over a decade. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering comprehensive advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and serves a broad client base with a range of investment and planning services.

Eugene Montoya is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses with 53 years of industry experience. His prior roles include positions at Merrill and Wells Fargo Clearing. Outside of his advisory work, he is involved in breeding thoroughbred horses through Belvedere Farm LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates structured discovery and firm-approved tools.