Sergio Espinoza Baviera is a financial advisor at Morgan Stanley with eight years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2018 and previously at Arch Insurance Group from 2016 to 2018. He holds a Series 66 designation. Outside of his advisory role, he serves on the board and finance committee of the Nutrivida Foundation, a health and welfare nonprofit, and is a partner in a boutique fitness studio franchise. Morgan Stanley Wealth Management (MSWM) provides a wide array of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct financial plans and Corporate Financial Planning agreements with employers.

Gabriel Pamich is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has roles at Morgan Stanley Private Bank, N.A., Morgan Stanley, and is a co-founder of Xenia Platform Inc., a technology company. Outside of his advisory work, he is involved with Garden Warrior LLC, a recreation business, and Bridge Prosperity LLC, which provides consulting in sales and marketing. 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.

Monica Logrono is a financial advisor at Morgan Stanley in Miami, FL, holding Series 63 and Series 66 designations with 14 years of industry experience. She has worked at Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct client plans and corporate financial planning agreements.

Claudia Landinez Guzman is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Citigroup Global Markets for 10 years before joining Morgan Stanley in 2017. Outside of advising, she is involved in consulting through Pentasynergies LLC. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and firm-approved tools to develop financial plans, serving clients in an advisory capacity.

Lisette Gongora is a financial advisor at Morgan Stanley in Miami, FL, holding a Series 66 designation with 11 years of industry experience. She has worked at Morgan Stanley since 2017 and had a brief tenure at Wells Fargo Clearing in 2017. 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 firm-approved tools and processes.

Fernando Garcia Morillo 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 tenures at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, as well as Citigroup Global Markets. Aside from his advisory work, he is involved as a sole proprietor in a rental property business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with activities such as principal trading and private fund relationships.

Gaspard Crepy Dorleans is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2018, with prior roles including positions at Babson College and Gulliver Preparatory High School. Outside of his advisory work, he is the sole owner of Minime 99 LLC, a real estate business based in Miami, Florida. Morgan Stanley Wealth Management is a large institutional firm serving both individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm employs a structured planning process and offers services through a network of financial advisors while managing approximately $2.74 trillion in client assets.

Jimena Hails is a financial advisor with Morgan Stanley in Miami, FL, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Hails provides coaching services to individuals through a separate business. 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 that incorporates firm-approved tools and market modeling techniques.

Maria Lipton is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its advisory process.

Cristina Palenzuela is a financial advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Ignacio Larrauri is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for 11 years before joining Morgan Stanley in 2025. He is based in Miami, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market-based modeling techniques.

Pedro Jorge is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2015. Outside of his advisory role, he operates an online retail business, Vertex Holdings LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Catherine Adley is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC 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 firm-approved tools.

Cesar Ramos is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 66 designation and 19 years of industry experience. He has worked with Morgan Stanley & Co., Incorporated since 2007 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Ramos is involved in managing real estate holdings as a sole proprietor. Morgan Stanley Wealth Management serves individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Nicholas Dosskey is a financial advisor at Morgan Stanley in Miami Beach, FL, holding Series 63 and Series 65 licenses with four years of industry experience. His career includes roles at Morgan Stanley since 2021, as well as positions at TD Ameritrade, Access Bank, and notable experience in golf course management prior to entering finance. 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 financial planning services. The firm manages substantial client assets and employs a structured planning process utilizing proprietary tools and market simulations.

Jorge Lopez is a financial advisor at Morgan Stanley in Miami, FL. He holds the Series 63 and Series 65 designations and has worked in the industry since 2023. His prior experience includes positions at Banco Santander and Virtual INC. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate agreements.

Marisol Arroyo is a financial advisor at Morgan Stanley with 25 years of industry experience. She has been with Morgan Stanley since 2009 and holds a Series 66 designation. 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 planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market models.

Dejan Bucevski is a financial advisor at Morgan Stanley in Miami, FL, holding Series 65 and Series 63 licenses with 13 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017 and was previously with Bank of America and Merrill from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients both directly and through corporate financial planning agreements.

Eduardo Oliva is a financial advisor with Morgan Stanley in Miami, FL, holding a Series 63 designation and having 43 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory role, he is the owner of a real estate business on Singer Island, Florida. 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 uses structured planning tools and modeling techniques as part of its financial planning process.

Daniel Hillis is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Morgan Stanley since 2019, including time with Morgan Stanley Private Bank, N.A. Prior to that, he was involved with Thrive Financial Services, Thrive Insurance Group, and JPMorgan. Outside of his advisory role, he is a partner in a single-purpose LLC for personal watercraft ownership. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.