Jofre Ramos Group at Morgan Stanley

Ricky determines investment strategy for the team by relying on his knowledge of asset allocation, portfolio management, technical analysis, alternative investments and more. He has an aptitude for explaining complex investment concepts clearly to clients, because he believes they should know what they own and understand the strategies he is recommending. To that end, he tends to favor streamlined portfolios that implement a few carefully chosen strategies. In addition to building deep relationships with client families, Ricky also seeks to establish professional connections with attorneys and accountants, so that he can serve as a bridge to accessing their expertise in international tax and estate planning.

Ricky has spent his entire career at the firm, having joined Morgan Stanley's predecessor firm, Smith Barney, in 1995. Over the years, he has developed an extensive internal network that he draws upon to access the resources and specialists he needs for the team's clients. Ricky earned a bachelor's degree in international relations with a focus on Latin America from Florida International University, where he learned about and absorbed the cultures shared by many of his clients. He also earned the Certified Investment Management Analyst designation through the Wharton School at the University of Pennsylvania.

The son of Cuban parents, Ricky was born in New Orleans but raised in Miami. Outside the office, Ricky enjoys serving as a manager in his son's soccer team, having previously played competitive soccer as a goalkeeper in various men's leagues. He is also a supporter of Baptist Hospital in Miami and active in the Key Biscayne community.

Cesar Ramos is an Executive Financial Services Director based in Morgan Stanley's Miami office in Florida. Collaborating with a business partner and a dedicated team, he brings a multinational focus to advising individual, executives, entrepreneurs, institutional clients and family offices. Integrating all aspects of client's financial lives into a cohesive and customized plan that targets their goals. He places particular emphasis on the structure and ownership of client assets, specially within non-US markets, as well as related to succession and tax issues.

Cesar joined Morgan Stanley in 2009. He began his career in the financial services industry at Merrill Lynch as a real estate equity analyst. His career has involved extensive travel throughout Latin America, giving him the opportunity to learn and navigate it's various regional nuances. He holds a Bachelor degree from the University of Florida in economics and finance. Within the community Cesar mentors aspiring entrepreneurs through The Network for Teaching Entrepreneurship, a global non-profit that teaches high school students about all aspects of starting and running a business, he has served as a volunteer, and is a current board member of the organization.

Marie joined the group in November 2013. She helps clients manage a broad array of services related to their accounts. She works alongside the team to develop and deliver financial strategies that support the client's financial objectives.

She began her financial services career in 1984 at Sun Trust bank. Over the years Marie has served as banker, international private banking officer and financial advisor, gaining valuable experience in every role. She maintains various securities and insurance licenses. Prior financial service experience also includes New England Securities and Valic Financial Advisors.

As a member of the Jofre Ramos team Melissa is committed to providing superior service and maintaining a positive client experience. She is involved in client onboarding, trading and service requests, account maintenance, and assisting the advisors in daily business practices. She is dedicated to finding solutions to client’s complex needs.

Melissa brings more than a decade of industry experience to her role and has worked extensively with an international clientele. She began her financial career in 2015 at UBS and joined the team in June of 2021.