German Hornstein is a financial advisor with Morgan Stanley in Miami, FL, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is involved as an owner and managing member of several investment-related entities. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and committees to support its advisory services.

Sebastian Partridge is a Series 66 licensed financial advisor with Morgan Stanley in Miami, FL, and has three years of industry experience. Before joining Morgan Stanley in 2025, he worked at LPL Enterprise and The Prudential Insurance Company of America. His earlier experience includes roles related to the University of Miami and Gulliver Preparatory School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Spencer Johnson is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Morgan Stanley since 2017, including a role with Morgan Stanley Private Bank, N.A. since 2024. Prior to Morgan Stanley, he was employed at Credit Suisse Securities (USA) LLC from 2010 to 2017. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools but generally does not provide individual security recommendations as part of standalone plans.

Maria Messarina is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has previously worked at PWA Securities, Provenance Wealth Advisors, Raymond James Financial Services, Oppenheimer & Co. Inc., and other firms. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its advisory services.

Beatriz Romero is a Series 66 credentialed financial advisor with eight years of industry experience. She has worked at Morgan Stanley since 2021 and previously held positions at Wells Fargo Clearing Services, Merrill, Bank of America, and other firms. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing proprietary tools and market simulations.

Felipe Sezerino is a financial advisor with Morgan Stanley in Miami, FL, holding Series 65 and Series 63 licenses and three years of industry experience. His prior roles include positions at the Royal Bank of Canada and Genesis Investment Advisors LLC, along with seven years in full-time education. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that employs firm-approved tools and modeling techniques.

Alvaro Alvarez Jr. is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Morgan Stanley since 2009 and has served at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by a structured process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and engages in various investment and trading activities alongside its advisory services.

Camila Parra Deangelis is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Banco de Bogota and the University of Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and advanced modeling tools, serving clients primarily in an advisory capacity.

Eric Brook is a financial advisor at Morgan Stanley in Miami, FL, with 23 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2016. He holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 that includes firm-approved tools and modeling techniques.

Angel Munoz Bonilla is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he maintains Waterz LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Roberto Tamayo Orbe is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and more than 20 years of industry experience. His career includes over two decades at Wells Fargo before joining Morgan Stanley and its affiliated private bank in 2025. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a range of investment solutions, combining retail and institutional capabilities.

Julian Gualtieri is a Series 66 licensed financial advisor with Morgan Stanley in Miami, FL, and has seven years of industry experience. His career includes positions at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and UBS. Outside of finance, he is involved in the restaurant and nightlife industry through his role in Gualt's Group, where he manages customer relations and key managerial decisions. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning using firm-approved tools and strategies.

Ricardo Bembibre is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has held positions at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Citigroup Global Markets. He is based in Miami, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and offers services supported by proprietary planning tools and structured investment analyses.

Miguel Bacal is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Outside of his advisory role, he is involved in a trust-related activity in Miami. Morgan Stanley Wealth Management provides 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 uses structured discovery and analytical tools but does not offer individual security recommendations as part of standalone planning.

Alberto Valle is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside broad retail and institutional offerings.

Maria Tarazona is a financial advisor with Morgan Stanley based in Miami, FL, holding a Series 66 license and 21 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets Inc. Outside of her advisory work, she serves as a director of DANCOR Consulting and Construction LLC. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and serves a diverse client base through both direct and corporate financial planning agreements.

Francisco Xavier Pardo Y Lelo De Larrea is a Series 66 credentialed financial advisor with 15 years of industry experience. He is currently with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following a 12-year tenure at Citi CPC WMLA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Cassio De Arruda Camara is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at JPMorgan Chase Bank, N.A. and JPMorgan Securities LLC. He is based in Miami, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of advisory, brokerage, and private fund-related activities.

Francisco Carrera Justiz is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he serves on the board of directors for Bacardi Limited, a private family-owned spirits company, where he is involved in budget approvals and strategic business discussions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by firm-approved tools and proprietary modeling techniques.

Ana Oliveira is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of her advisory role, she hosts international students through the American Homestay Network. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and a wide 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 and the Global Investment Committee’s Secular Return Estimates.