Phone:
(305) 377-4290(305) 377-4290
Earle-Monaco Group at Morgan Stanley
Direct:
(305) 376-8500(305) 376-8500
Our Mission Statement
A great Financial Advisor possesses a blend of expertise, empathy and communication skills. They must have a deep understanding of financial markets, investment strategies, diverse financial products and a commitment to ethical practices. With 25 years of experience, we can help clients achieve their aspirations and guide them towards financial stability.
OUR STORY AND SERVICES
As an Executive Director at Morgan Stanley with over 25 years of experience, I specialize in guiding clients toward achieving their financial goals through tailored investment strategies, in-depth market knowledge, and a commitment to ethical practices. Fluent in English, Spanish, French, and with a working knowledge of Portuguese, I am well-equipped to serve a diverse clientele, delivering personalized financial solutions.
As your Financial Advisor, I am dedicated to helping you define and achieve your goals by leveraging a broad array of resources tailored to how you invest and what you aim to accomplish. My success has been built on working with clients to preserve and grow their wealth. You'll have access to some of the world's most respected investment professionals, a premier trading and execution platform, and a comprehensive range of investment choices.
Outside of work, I am an active member of the Riviera Country Club in Coral Gables and the Coral Reef Yacht Club in Coconut Grove. My hobbies include traveling with my family, winter skiing, golf, tennis, and enjoying various outdoor activities. I am also deeply committed to giving back to my community through charitable work with the Dolphins Cancer Challenge, Mount Sinai Medical Foundation, and Big Brothers Big Sisters of Miami.
Married with three children, I understand the importance of building lasting relationships based on trust, communication, and results-driven financial planning.
Languages
- English, Spanish, French and Portuguese
Clubs and Philanthropy
- Riviera Country Club in Coral Gables
- Coral Reef Yacht Club in Coconut Grove
- Dolphins Cancer Challenge
- Mount Sinai Medical Foundation
- Big Brothers Big Sisters of Miami
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We Provide
The goal of our process is to help you create a comprehensive wealth management plan to reach your most important personal, professional and philanthropic goals. We begin by learning about your history, your family, your interests, concerns and aspirations. We then reach out to your CPA and estate attorney to familiarize ourselves with your existing estate planning and coordinate our strategies. This discovery process enables us to develop an appropriate plan designed to help grow, preserve and transfer your wealth. Once implemented, we closely monitor your strategy to make sure it stays current with your goals in an ever-changing financial and personal world.
Wealth Management
a. Cash Management
b. Asset and Liability Management
c. Tax Management
d. Insurance Efficiency Analysis
e. Education Planning for Children
f. Retirement and Cash Flow Planning
g. Asset and Creditor Protection Planning
h. Business Succession and Exit Planning
i. Pre-Liquidity Event Planning
j. Collaborate with your other professionals
Financial Planning and Investment Management
a. Customized Financial Plan
b. Tax Efficient Portfolio Construction
c. Proprietary Risk Management Analysis
d. Open Architecture Investment Platform
e. Access to World Class Public and Private Investments
f. Investment Due Diligence and Selection
g. Investing with Impact - Sustainable Investing
h. Monitoring and Reporting
i. Alternative Investments
Estate and Philanthropy Management
a. Family Governance and Wealth Education
b. Estate Planning
c. Access to Wealth Planning Center for Advanced Estate Planning Needs
d. Private Banking
e. Insurance Solutions
f. Trust Services
g. Philanthropy Management
h. Lifestyle advisory
Executive Wealth Management
a. Executive Compensation and Benefits Analysis
b. Stock Option Analysis
c. Rule 144 Stock Analysis and Planning
d. Diversification Strategies for Concentrated Stock Positions
e. Section 10(b)5-1 plan
f. Section 1042 Tax-deferred sale to an ESOP
g. Qualified Small Business Stock (QSBS) Planning
h. Restricted Stock and Section 83(b) and 83(i) Election
International Wealth Management
Part of a global financial legacy that dates back over 150 years, Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We serve among the world's most capitalized institutions, and stand as one of the largest wealth management firms in the world.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. We are familiar with the investment challenges and opportunities that are unique to your part of the world, and can recommend highly customized strategies to help you address your specific goals.
Legacy Architects, Crafting Lasting Prosperity for Generations
When multi-generational families want their legacies to thrive, they come to us. Our family office style services are unparalleled, focusing on a holistic approach that goes beyond the realm of traditional private wealth management.
With confidence and expertise, we preserve your family's prosperity and values. Our handpicked team of seasoned professionals understands the intricate dynamics of families like yours, ensuring a bespoke experience tailored to your unique needs and aspirations.
We strive to keep tradition alive, while embracing innovation for the select families that we work with. From comprehensive investment strategies to the full suite of advanced planning solutions, we curate services that shine a light on your family's greatness, ensuring a remarkable future for generations to come.
What You May Need
- Investment Management
- Access to Alternative Investments
- Cash Management Solutions
- Consolidated Reporting
- Comprehensive Wealth Planning
- Working With Your CPA & Estate Attorney
- Pre-Liquidity Planning
- Tax, Trust & Estate Advisory
- Charitable Gifting & Giving Strategies
- Family Governance & Wealth Education
- Access to Cash Management & Lending
- Risk Management
- College & Education Funding Solutions
- Disclaimer: Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Dedication and Commitment to the Global Investor
Part of a global financial services legacy that dates back over 150 years, Morgan Stanley has emerged as on the very few truly global institutions with the scale, scope and commitment to serve the international investor.
While high net worth individuals, families and businesses tend to share certain challenges regardless of where they live and operate, those who invest in accounts based outside of their home countries typically face additional strategic, administrative and compliance concerns. The substantial investment Morgan Stanley has made in the formation of our international wealth management business capabilities is an expression of our commitment to continually expand the range and level of services we offer.
Location
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 376-8500(305) 376-8500
Meet Earle-Monaco Group
Phone:
(305) 533-0225(305) 533-0225
Joanna Leal
Registered Client Service Associate
Phone:
(305) 376-8529(305) 376-8529
Mell Dilor
Registered Associate
Phone:
(305) 714-7255(305) 714-7255
David Martinez
Client Service Associate
Phone:
(305) 533-5483(305) 533-5483
Jonathan Blanco
Registered Client Service Associate
Phone:
(305) 376-8566(305) 376-8566
About Richard Earle
As an Executive Director at Morgan Stanley with over 25 years of experience, I specialize in guiding clients toward achieving their financial goals through tailored investment strategies, in-depth market knowledge, and a commitment to ethical practices. Fluent in English, Spanish, French, and with a working knowledge of Portuguese, I am well-equipped to serve a diverse clientele, delivering personalized financial solutions.
As your Financial Advisor, I am dedicated to helping you define and achieve your goals by leveraging a broad array of resources tailored to how you invest and what you aim to accomplish. My success has been built on working with clients to preserve and grow their wealth. You'll have access to some of the world's most respected investment professionals, a premier trading and execution platform, and a comprehensive range of investment choices.
Outside of work, I am an active member of the Riviera Country Club in Coral Gables and the Coral Reef Yacht Club in Coconut Grove. My hobbies include traveling with my family, winter skiing, golf, tennis, and enjoying various outdoor activities. I am also deeply committed to giving back to my community through charitable work with the Dolphins Cancer Challenge, Mount Sinai Medical Foundation, and Big Brothers Big Sisters of Miami.
Married with three children, I understand the importance of building lasting relationships based on trust, communication, and results-driven financial planning.
As your Financial Advisor, I am dedicated to helping you define and achieve your goals by leveraging a broad array of resources tailored to how you invest and what you aim to accomplish. My success has been built on working with clients to preserve and grow their wealth. You'll have access to some of the world's most respected investment professionals, a premier trading and execution platform, and a comprehensive range of investment choices.
Outside of work, I am an active member of the Riviera Country Club in Coral Gables and the Coral Reef Yacht Club in Coconut Grove. My hobbies include traveling with my family, winter skiing, golf, tennis, and enjoying various outdoor activities. I am also deeply committed to giving back to my community through charitable work with the Dolphins Cancer Challenge, Mount Sinai Medical Foundation, and Big Brothers Big Sisters of Miami.
Married with three children, I understand the importance of building lasting relationships based on trust, communication, and results-driven financial planning.
Securities Agent: OR, TX, FL, SD, NY, PR, PA, WI, GA, VA, MI, DC, CO, CA, HI, WY, CT, DE, MD, MA, IL; General Securities Representative; Investment Advisor Representative
About Lori Monaco
Lori Monaco, Senior VP Financial Advisor at Morgan Stanley, attends to both domestic and offshore clients, and holds a CFA designation, as well as being fluent in English and three other languages: Spanish, Portuguese, and French.
Monaco worked at RBC Wealth Management from 2004 to January 2015. In fact, she was hired to establish the Broker Dealer business in Miami and was branch manager in the city from 2004 to 2006. She has always worked as Financial Advisor, advising on investment solutions for wealth management clients.
Lori previously held the post of CIO at Coutts USA International for a period of four years, and was responsible for the Advisory and Execution team in Miami, focusing mainly on non-resident HNW and UHNW clients.
Previously, from 1995 to 2000, she worked as Head of Research at Vestrust in Miami, covering Latin American Corporate Debt, specializing in the Media and Telecommunications sector. She had previously spent four years in New York as an analyst in the technology sector. Therefore, Lori Monaco has over 25 years experience in the investment and wealth management industry.
Monaco worked at RBC Wealth Management from 2004 to January 2015. In fact, she was hired to establish the Broker Dealer business in Miami and was branch manager in the city from 2004 to 2006. She has always worked as Financial Advisor, advising on investment solutions for wealth management clients.
Lori previously held the post of CIO at Coutts USA International for a period of four years, and was responsible for the Advisory and Execution team in Miami, focusing mainly on non-resident HNW and UHNW clients.
Previously, from 1995 to 2000, she worked as Head of Research at Vestrust in Miami, covering Latin American Corporate Debt, specializing in the Media and Telecommunications sector. She had previously spent four years in New York as an analyst in the technology sector. Therefore, Lori Monaco has over 25 years experience in the investment and wealth management industry.
Securities Agent: WI, OR, IL, GA, MA, DE, CA, MI, DC, TX, NY, CT, PR, HI, CO, SD, WY, PA, FL, MD; General Securities Representative; Investment Advisor Representative
About Joanna Leal
Joanna brings over 20 years of experience in the financial services industry. She attended Florida International University and joined Morgan Stanley in 2010 with a financial advisor who has since retired from MS but who she worked with hand-in-hand for 2 decades. She is responsible for all operational aspects of our business for both international and domestic clients. It is her upmost priority to provide excellent customer service which has allowed her to build solid client relationships through the years and establish new ones along the way.
She is fluent in both Spanish and English.
Joanna lives in Miami, Florida with her husband Juan Carlos, their 2 children Carlos and Daniella and their puppy Milo.
She enjoys music, going to the movies, beach days and spending quality time and traveling with her family.
She is fluent in both Spanish and English.
Joanna lives in Miami, Florida with her husband Juan Carlos, their 2 children Carlos and Daniella and their puppy Milo.
She enjoys music, going to the movies, beach days and spending quality time and traveling with her family.
About Mell Dilor
Mell is one of the founders of Avenue Securities, a Brazilian Broker-dealer, and has experience as a Financial Educator and Relationship and Investment Manager. She holds an MBA from FGV-Rio and is fully licensed in US with Series 7 and Series 66. Mell is native in Portuguese and fluent in English.
Recently joined our team as Registered Associate providing operational support within Morgan Stanley Wealth Management Field, dealing with daily basis needs such as KYC, AML, money movement and documentation.
Recently joined our team as Registered Associate providing operational support within Morgan Stanley Wealth Management Field, dealing with daily basis needs such as KYC, AML, money movement and documentation.
About David Martinez
David Martinez currently has the SIE and Series 7 license, David has always had a passion for the world of finance, this led him to obtain his Masters degree in finance from Florida International University. Prior to joining Morgan Stanley, he worked with TradeStation Securities for three years where his focus was on trade specific support and providing comprehensive client support. David is fluent in both English and Spanish, he has a love for traveling and the outdoors.
About Jonathan Blanco
Jonathan Blanco is a committed financial professional with a strong foundation in finance, client relations, and investment management. Holding a Bachelor of Business Administration in Finance from Florida International University and registered, maintaining a Series 7 and 66 license. He is currently pursuing the Chartered Financial Analyst (CFA) Level I designation to further enhance his knowledge of global financial markets.
Outside of his professional pursuits, he enjoys reading personal development literature which continues to shape his philosophy on success and lifelong learning.
Jonathan is a fluent in Spanish and English.
Outside of his professional pursuits, he enjoys reading personal development literature which continues to shape his philosophy on success and lifelong learning.
Jonathan is a fluent in Spanish and English.
Contact Richard Earle
Contact Lori Monaco
Wealth Management
Global Investment Office
Portfolio Insights
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Ready to start a conversation? Contact Earle-Monaco Group today.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 appropriate 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”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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 appropriate 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”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
