Richard Torres is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2019, following three years at Citi Bank. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a variety of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers services that integrate planning with investment management and other financial products.

James Williams is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and six years of industry experience. He has worked at Morgan Stanley Private Bank since 2020 and has been with Morgan Stanley since 2019. Prior to that, he held roles at Boston College and Investec. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with 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 supported by firm-approved tools and the Global Investment Committee’s models.

Maria Diaz is a Series 66-licensed financial advisor at Morgan Stanley in Miami, FL, with 18 years of industry experience. She has been with Morgan Stanley since 2016. Outside of her advisory role, Diaz is involved in managing rental property investments and serves as the manager of OTIN LLC, a real estate investment-related business. Morgan Stanley Wealth Management is an SEC-registered advisory and broker-dealer firm that offers a comprehensive range of financial planning and investment services to individual and institutional clients. The firm employs structured planning tools and investment modeling to support tailored financial strategies.

Giuliana Rubenich is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at UBS Financial Services, BB Americas Bank, and Banco Itau SA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and offers structured financial planning supported by proprietary tools and investment modeling.

Lori Monaco is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Ms. Monaco is also a real estate agent with Fortune International. 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 a structured process focused on long-term outcomes. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-sponsored financial planning agreements.

Saul Lola Lopez is a financial advisor at Morgan Stanley with two years of industry experience. He has previously worked at Raymond James & Associates, Guerra Financial Group, and the firm Farrell, Patel, Jomarron & Lopez. Outside of his advisory role, he is the sole proprietor of Rocket Securities LLC, a recreational business based in Miami. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Arianne Cendon Ruisanchez is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Prior to joining Morgan Stanley, she worked at Banco Sabadell Miami Branch and has held positions in educational institutions including Florida State University and the University of Colorado Boulder. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by structured processes and advanced modeling tools.

Veronica Pereira is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2020. Her prior experience includes roles at Citigroup and SunTrust, where she served in advisory and investment services capacities. 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, including customized financial planning that utilizes structured discovery processes and advanced modeling tools.

Nicholas Carosa 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 Private Bank and Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

William Finn is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation. He began his career in the financial industry in 2023 at Forrester before joining Morgan Stanley in 2026. His background also includes roles at the University of Miami, Heritage Pool & Racquet Club, and Concord Public Schools. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs. The firm emphasizes structured financial planning using firm‑approved tools and manages approximately $2.74 trillion in client assets.

Maria Li is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. She previously worked at Wells Fargo Clearing and HSBC Securities (USA) Inc., with extensive tenure at HSBC Bank USA. Outside of her advisory role, she is a licensed public notary in Florida. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning solutions.

Manuel Diaz Rivera is a financial advisor at Morgan Stanley with four years of industry experience and holds a Series 66 designation. His prior work experience includes positions at Banco Central Del Peru, Cemex, and Loyola Maryland University. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both 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 supported by proprietary tools and research.

Imanol Suarez Biglieri is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2018. Prior to his current role, he had professional experience at Oglethorpe University and a brief tenure with Total Body Contouring. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Nicolas Boker is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 license and 19 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Eduardo Gerami is a financial advisor at Morgan Stanley with a Series 66 credential and four years of industry experience. He previously worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities from 2022 to 2026, as well as Banco Santander International between 2011 and 2022. 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 research. The firm manages approximately $2.74 trillion in client assets and provides advisory services under various arrangements, including corporate financial planning agreements.

Kaden Deosaran is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2026, he held various roles including positions at La Flor Dominicana, University of Miami, Laurel Wealth Solutions, and Credit Repair Cloud. 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. The firm emphasizes a structured financial planning process supported by firm-approved tools and offers access to extensive resources including the Global Investment Committee’s analyses.

Ursula Zaragoza Vega is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and previously worked at Banco Santander International for nine years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by structured discovery processes and firm-approved planning tools.

Juan Carom is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 credential and bringing 25 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2016. Outside of his advisory role, Carom is the sole proprietor of Anabella Buffalo Creamery LLC, a dairy and cheese products business. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s approach utilizes structured discovery processes and firm-approved planning tools without providing individual security recommendations in standalone planning services.

Alexandra Moriarty is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and bringing 14 years of industry experience. She previously worked at EFG Capital International for 12 years before joining Morgan Stanley Smith Barney LLC in 2022 and Morgan Stanley Private Bank, N.A. in 2024. She is also the owner of Micolobio LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies, supported by firm-approved tools and research from its Global Investment Committee.

Delfina Arriola is a Series 66-licensed financial advisor with Morgan Stanley in Miami, FL, where she has worked since 2019. She has five years of industry experience, including prior roles at PVG Insurance Group. 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 structured planning tools alongside broad retail and institutional offerings.