Carmen Diaz Acevedo is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with 18 years of industry experience. Prior to joining Morgan Stanley in 2020, she worked at JP Morgan Chase Bank and JP Morgan Securities, LLC in 2019-2020, and at CitiGroup Global Markets Inc. from 2015 to 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Monica Americano is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. She has worked at Morgan Stanley since 2017 following roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and offers broad investment and financial services through its extensive platform.

Juan Guerra is a CFA® charterholder and holds a Series 66 license, with four years of industry experience. He currently works at Morgan Stanley in Miami, FL, where he has been employed since 2026. Prior to joining Morgan Stanley, he gained experience at Boreal Capital Securities LLC and Bolton Global Capital. Guerra also has a background in education, having worked at the University of Notre Dame and the American Nicaraguan School. He is involved with Boreal Capital Management LLC, providing operational support to the affiliated registered investment adviser. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Global Investment Committee estimates and Monte Carlo simulations, to model financial outcomes.

Javier Leganoa is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2021, following prior roles at Citigroup and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered firm that provides a broad range of advisory programs to individual 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 conversations and firm-approved tools to model outcomes, with an emphasis on advisory services rather than individual security recommendations.

Simonpietro Magrelli is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and previously worked at Raymond James Financial and Brickell 21 Capital Management. Prior to his financial services career, he was employed at Florida International University and Cristopher Columbus High School. Morgan Stanley Wealth Management provides a broad range of advisory programs for individual and institutional clients, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers various investment programs alongside corporate financial planning agreements.

Nicolas Tavormina is a financial advisor at Morgan Stanley with 14 years of industry experience. He has been with Morgan Stanley since 2016 and holds a Series 66 designation. Outside of his advisory role, he serves as secretary for MNS Management LLC, a real estate holding and management company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 employs structured planning tools to model financial outcomes.

Gabriel Porzecanski is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation 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 and Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as a board member for Beth David Congregation in Miami, Florida. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling to support client financial goals.

Violetta Zharov is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Morgan Stanley Wealth Management serves individual and institutional clients with advisory programs that include tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Javier Pardo Diaz is a financial advisor at Morgan Stanley with five years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following a seventeen-year tenure at Banco Santander. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that utilizes firm-approved tools and market return estimates.

Pelayo Perez is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation. He joined Morgan Stanley in 2026 and has experience working with several organizations including Real Club de Golf Valderrama and Sotogrande International School. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Luis Arriola is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated private bank since 2009. Based in Miami, FL, his career includes over a decade at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured planning tools and investment modeling but generally does not provide individual security recommendations as part of standalone plans.

Agustin Menendez Alurralde is a financial advisor at Morgan Stanley with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Citigroup and Safra National Bank of New York. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services that utilize firm-approved tools and methodologies to model investment outcomes.

Cynthia Garza is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 11 years of industry experience. She has worked at Morgan Stanley since 2021 and previously was with Raymond James and Associates. Cynthia's background includes time spent as a homemaker and a brief role at the University of Miami. 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 and financial planning services supported by proprietary tools and research, managing approximately $2.74 trillion in client assets.

Abraham Chehebar is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 registrations and bringing 28 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is involved in managing real estate ventures and participates in organizing global events for Babson College. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, combining tailored financial planning and investment services supported by firm-approved tools and methodologies.

Mairelys Rodriguez is a financial advisor at Morgan Stanley in Miami, FL, holding Series 65 and Series 63 licenses with 13 years of industry experience. She previously worked at J.P. Morgan Securities LLC and JPMorgan Chase Bank NA for five years and spent ten years at EFG Capital International. Outside of advisory work, she assists with a small family accounting business on a voluntary, part-time basis during peak tax seasons. 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 and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs established planning tools that support goal-based investment modeling without providing individual security recommendations as part of standalone plans.

Luccas Oyarce is a financial advisor at Morgan Stanley in Miami, FL, with two years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., and has owned a technology-focused sole proprietorship, LUKERL LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers services that include both direct client relationships and corporate financial planning agreements.

Kathleen Caldera is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2016. 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 emphasizes a structured planning process supported by firm-approved tools and modeling techniques.

Jennifer Sierra is a Series 66 licensed financial advisor with Morgan Stanley in Miami, FL, with 22 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Outside of her advisory role, she is the sole proprietor of Dorian Capital LLC, a retail and online store business. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning facilitated by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm‑approved tools and modeling techniques.

Andrew Schultz is a financial advisor at Morgan Stanley with 35 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. He holds the Series 63 designation and is based in Miami, FL. 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 supported by structured discovery processes and firm-approved tools.

Francisco Salazar Moreno is a financial advisor at Morgan Stanley with 14 years of industry experience. He has worked at Morgan Stanley since 2020 and previously spent nine years with Santander International Private Banking and Santander Securities. Outside of finance, he is a limited partner in Love Iberico LLC, a business involved in selling Spanish ham. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individuals and institutions, combining tailored financial planning with various investment solutions. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its advisory process.