Carolina Maingon is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and two years of industry experience. Her prior work includes positions at Merrill Lynch, Rings End Inc, Innova, Medicompanies, Universal Coin International, and Kleinsad S.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and methodologies.

Harris Kirschner is a Series 66-credentialed financial advisor with 10 years of industry experience. He has held positions at Morgan Stanley since 2023 and previously worked at E*TRADE Securities and E*TRADE Capital Management from 2016 to 2023. Harris was also involved with Eagle Parking from 2015 to 2017. He is affiliated with Morgan Stanley Wealth Management, an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Fernando Azevedo is a financial advisor at Morgan Stanley with eight years of industry experience. He previously worked at XP Investments US, LLC and Banco do Brasil Americas. He holds a Series 66 designation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs supported by firm-approved tools and investment research.

Tulio Gargantini is a financial advisor at Morgan Stanley with 20 years of industry experience. He previously worked at XP INVESTMENTS US, LLC for ten years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025. He holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery conversations and firm-approved planning tools.

Mariana Sanches Bertoldi is a CFP® professional with nine years of industry experience. She is currently with Morgan Stanley, having been with the firm and its affiliates since 2022. Her prior experience includes roles at CitiGroup, CitiBank, and Itau International Securities Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions. The firm offers tailored financial planning and manages a broad range of client assets, using structured planning tools and proprietary investment models.

Cristian Rubiano is a financial advisor at Morgan Stanley in Miami, FL, with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Bank NA. Outside of his advisory work, he is also a commissioned notary public. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools.

Bruna Perez is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and two years of industry experience. Her prior work includes roles at CitiBank and Piquet Law Firm. She is based in Miami, FL. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and modeling tools, with clients responsible for implementing and updating their plans.

Monica Paez is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing. Monica is based in Miami, FL. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that include both retail and institutional investment options.

Thelma Noemi Garcia is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63, Series 65, and Series 66 credentials and over 32 years of industry experience. Her prior work includes roles at Wells Fargo Clearing and Wachovia Bank. Outside of her advisory work, she is a sole proprietor engaged in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process incorporating firm-approved tools and modeling techniques.

Santiago Laphitzondo is a financial advisor with Morgan Stanley, holding a Series 66 credential and 29 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing. Outside of his advisory career, he is a co-owner of a farming business in Buenos Aires, Argentina. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Ileana Reyes Cedeira is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. Her prior work includes roles at Wells Fargo Clearing from 2016 to 2021, before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2021. Morgan Stanley Wealth Management serves both individuals and institutional clients by offering a wide range of advisory programs, including tailored financial planning facilitated through dedicated Financial Advisors and the Estate Planning Strategies Group. The firm employs a structured planning process supported by proprietary tools and models, managing approximately $2.74 trillion in client assets.

Joana Roter is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation. She has one year of industry experience, including prior roles at City National Bank of Florida and several years in academic positions at the University of Miami and the University of Florida. She also worked at Launch Trampoline Park from 2018 to 2022. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning 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 a broad range of retail and institutional investment services.