Investment Philosophy

My philosophy is to work with clients to establish and achieve financial goals through objective, customized planning and management of investment assets. My purpose is to help build, manage and preserve your wealth through the implementation of a highly disciplined investment strategy, utilizing appropriate asset allocation and proper diversification strategies, fundamental and technical analysis to achieve the appropriate mix of long term capital appreciation and income components. My goals are to use my skills, knowledge and experience to give my clients professional advice and provide a broad spectrum of highly qualified financial advisory services and solutions.

Success is measured by the achievement of my client's goals and objectives.
Services Include
  • Financial Planning1
  • Asset Management2
  • 529 Plans3
  • Alternative Investments4
  • Annuities5
  • Cash Management6
  • Estate Planning Strategies7
  • Executive Financial Services8
  • Wealth Management9
  • Philanthropic Services
  • Retirement Planning10
  • Structured Products11
  • Trust Services*
Securities Agent: TX, IN, WI, WA, TN, PR, OH, NH, MO, IL, ID, FL, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1501575
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Armando has been in the financial services industry since 1980. He deals in financial and retirement planning and uses this knowledge to help his clients create and preserve wealth by using a planning based approach to build a well diversified and appropriately allocated portfolio. Armando is a CERTIFIED FINANCIAL PLANNER™, a designation awarded by the Certified Financial Board of Standards, Inc. to those who have fulfilled the certification requirements of the CFP Board. CFP® professionals are held to the highest of standards. They are obliged to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence. Armando continues to hold this designation which requires 30 hours of continuing education every 2 years, including 2 hours of Ethics training.

He is also a Charted Retirement Planning Counselor. This designation is offered by the College of Financial Planning to candidates who have acquired experience and proficiency in the area of retirement planning.

He is a Vice President and Financial Advisor with Morgan Stanley and has provided financial advice and wealth management services for more than 36 years. During his career Armando has gained extensive experience representing, medical and other professionals, business owners, business executives, real estate entities, public company officers, entrepreneurs and many retirees. He has assisted individual high-net worth clients with comprehensive financial planning, sophisticated financial solutions, concentrated stock strategies, estate-planning related issues, philanthropy, private money management and comprehensive retirement planning.

Armando is a graduate of Indiana University and holds a Bachelor’s of Science Degree in Business (’76).

He is a past Board Member of La Plaza, Private Industry Council of Indianapolis and the Indiana Chamber of Commerce Economic Development Committee.

    Working With You

    • Step 1: Understanding you and your expectations
      What do you want from your investment portfolio? What are your short-term and long-term financial goals? The key to your investment success is to clearly define and prioritize your objectives. You must understand your financial needs, risk tolerance, time horizon, and cash flow needs.
    • Step 2: Developing a customized investment policy and profile
      I will design an optimal combination of diversified investments to help you achieve your goals. From this, an investment profile is created to help guide the investment decisions made in your account.
    • Step 3: Analyzing and selecting the best investment alternatives
      With my in-depth understanding of your needs, I will inform and educate you about the various investment solutions available at Morgan Stanley which will enable you to identify which solutions are most appropriate for you.
    • Step 4: Bringing the team together
      Utilizing the vast resources both inside Morgan Stanley and outside professionals as necessary, I will work with you to initiate the investment process and help ensure that it is completed as smoothly as possible.
    • Step 5: Tracking your progress
      The key to a successful financial strategy begins with reviewing the portfolio and implementing a disciplined re-balancing process to stay on track after the recommendations have been put into motion.
    2009 - Present: Financial Advisor with Morgan Stanley
    Armando is a CERTIFIED FINANCIAL PLANNER™ practitioner, a designation awarded by the Certified Financial Board of Standards, Inc. He is also a Charted Retirement Planning Counselor.

    1980 - 2009: Financial Advisor with Merrill Lynch
    • Business Experience
      - 2009 - Present: Financial Advisor with Morgan Stanley
      Armando is a CERTIFIED FINANCIAL PLANNER™ practitioner, a designation awarded by the Certified Financial Board of Standards, Inc. He is also a Charted Retirement Planning Counselor.
      - 1980 - 2009: Financial Advisor with Merrill Lynch
    • Education
      Indiana University
      Bachelors of Science, Accounting and Finance
      1972-1976
    • Certifications and Licenses
      - Chartered Retirement Planning CounselorSM
      College for Financial Planning
      Feb. 2008

      - Certified Financial PlannerTM
      Board of Standards, Inc.
      Jan. 2007
      NMLS

      - Nationwide Mortgage Licensing System
      Jul. 2016

    Location

    800 East 96 St
    Ste 400
    Indianapolis, IN 46240
    US
    Direct:
    (317) 818-7382(317) 818-7382
    Toll-Free:
    (800) 336-0095(800) 336-0095
    Fax:
    (317) 818-7440(317) 818-7440
    Investment and Market Perspectives

    On the Markets

    Retirement

    Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
    • 401(k) Rollovers
    • IRA Plans
    • Retirement Income Strategies
    • Retirement Plan Participants
    • Annuities
    The Simple Six-Step Retirement Checkup

    The Simple Six-Step Retirement Checkup

    Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

    Investing

    Working closely with you to guide your wealth and investments through the most challenging market cycles.
    • Asset Management
    • Wealth Planning
    • Traditional Investments
    • Alternative Investments
    • Impact Investing
    Five Smart Strategies to Use a Bonus or Raise

    Five Smart Strategies to Use a Bonus or Raise

    Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

    Family

    Creating customized financial strategies for the challenges that today's families face.
    • Estate Planning Strategies
    • 529 Plans / Education Savings Planning
    • Long Term Care Insurance
    • Special Needs Planning
    • Trust Services
    Financial Transition: A Guide for Women

    Financial Transition: A Guide for Women

    Here's how to take control of your finances if a death or divorce leaves you holding the reins.

    Business Planning

    Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Qualified Retirement Plans
    • Corporate Pension Funds
    6 Keys to Building a Startup

    6 Keys to Building a Startup

    Entrepreneurs share ideas and learnings from the experience of starting a company.

    Philanthropy

    Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
    • Endowments
    • Foundations
    • Donor Advised Funds
    • Impact Investing
    A New Roadmap for Mission Alignment

    A New Roadmap for Mission Alignment

    Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

    More from Morgan Stanley

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    Morgan Stanley and Justin Rose: A Winning Team

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    Your Financial World. On the Go.

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    With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
    Learn more about Your Financial World. On the Go.
    Reserved | Living & Giving

    Reserved | Living & Giving

    Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
    Learn more about Reserved | Living & Giving
    Sign Up for eDelivery

    Sign Up for eDelivery

    With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
    Learn more about Sign Up for eDelivery
    Access Morgan Stanley Online

    Access Morgan Stanley Online

    Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
    Learn more about Access Morgan Stanley Online
    Ready to start a conversation? Contact Armando Espinoza today.
    Market Information Delayed 20 Minutes
    Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

    1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.

    2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

    3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

    4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

    5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

    Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

    7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

    8Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

    10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

    11Structured Investments are complex and not suitable for all investors, and there is no assurance that a strategy of using structured product for wealth preservation, yield enhancement, and/or interest rate risk hedging will meet its objectives.

    The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

    Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link: https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.

    The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

    Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

    The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

    *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


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