Karina Pineda is a financial advisor with Morgan Stanley Wealth Management in Miami, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Her career includes roles at Wells Fargo Clearing and Prudential Equity Group, LLC. Outside of advisory work, she is involved with Tapestry of The Heart LLC, a retreat center focused on healing in Homestead, Florida. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and investment modeling methods.

Flavia Saltao Ottaiano is a financial advisor with Morgan Stanley Wealth Management in Miami, FL, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at UBS Financial Services, JP Morgan Securities LLC, and JPMorgan Chase Bank, NA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including 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 through both direct client relationships and corporate financial planning agreements.

Ricardo Jofre is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 63 designation and bringing 30 years of industry experience. His career includes roles at Citigroup Global Markets from 1995 to 2009 and tenure at Morgan Stanley Smith Barney since 2009, currently serving in the Morgan Stanley Private Bank. He also acts as a trustee for a Miami-based trust. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling in its advisory process.

Rodolfo Angeles is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 designations. He has one year of industry experience, including prior roles at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance 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 and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and research.

Juan Canas is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and has previously worked at Raymond James & Associates, LPL Financial, and several other firms. Prior to his advisory career, Canas had roles outside finance including work at Fleming’s Steakhouse and Premier Tees LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs. The firm’s financial planning approach incorporates structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

David Llanos is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 10 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2018 and previously spent two years at Wells Fargo Clearing. 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 supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that combine broad retail and institutional offerings with specialized investment and financial product activities.

Juan Pablo Gutierrez Girault is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation. He has one year of industry experience with Morgan Stanley Private Bank and Morgan Stanley, following prior roles at Plaza Calzadas Santa Monica, Bank BBVA, Databranding, and Northridge and Universidad Panamericana. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides investment services alongside other financial products and programs.

Nicole Schuery is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at HSBC Securities (USA) Inc., HSBC Bank USA, N.A., and Wells Fargo Clearing. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning supported by structured discovery and established planning tools.

Gustavo Gertzenstein is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 credential and nine years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2016. Outside of finance, he is involved with LKG Architecture Corp., which provides architectural services. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and emphasizes structured financial planning using firm‑approved tools and strategies.

Jean Phillippe Garcy is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 15 years of industry experience. He has been with Morgan Stanley since 2012 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he assists in the structuring of the Raquel Pelissier Foundation, a nonprofit organization. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and integrates both retail and institutional services in its approach.

Johanna Robledo is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63, 65, and 66 licenses and bringing 19 years of industry experience. She has worked at Morgan Stanley since 2018, following roles at Forem Investments, UBS Financial Services, and UBS International Inc. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and Secular Return Estimates, to support its advisory process.

Christian Urroz is a financial advisor at Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses with three years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at W&S Brokerage Services and Western & Southern Life, among other roles in financial services and consulting since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Hugo Mantilla is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at various Morgan Stanley entities since 2008. Mantilla serves as a board member of the Florida International University Foundation, where he is involved in fundraising activities. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct individual engagements and Corporate Financial Planning agreements.

Raul Lacayo is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank since 2016 and previously spent eight years at Credit Suisse Securities (USA) LLC. Outside of his advisory role, he is involved in a honey business in Nicaragua and owns Tortuga Ventures LLC. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm‑approved analytical tools and a disciplined planning process.

Melina Patatoukas is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with 11 years of industry experience. She has been with Morgan Stanley since 2015. 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 advanced modeling tools.

Andrew Swanson is a financial advisor at Morgan Stanley with four years of industry experience. He holds Series 63 and Series 66 designations and previously worked in residential real estate with Coldwell Banker and ONE Sotheby's International Realty. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

James Enea is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. 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, managing approximately $2.74 trillion in client assets.

Lucia Arriola is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and seven years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A. and UBS. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Andrea Steinacker is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 65 licenses and 42 years of industry experience. She has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, following a 16-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, including tailored financial planning services supported by firm‑approved planning tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment solutions.

Jorge Gouvea is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with 11 years of industry experience. He previously worked at UBS AG from 2014 to 2021 before joining Morgan Stanley Smith Barney LLC in 2021 and Morgan Stanley Private Bank, N.A. in 2022. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools, serving clients primarily in an advisory capacity.