About Us

Our goal is to help clients define their financial goals, put together a plan to achieve those goals, and provide excellent service throughout the process and beyond. Our model includes a checklist of items that should be discussed that go beyond investing to asset diversification, generational education, proper estate planning strategies, tax efficient trade strategies and philanthropy.

We work as a team so that when you call our office during business hours, you speak to a human, and any member of our team can handle your question or request. Our contact management system allows us to share information between us confidentially so we can accomplish that goal.
Services Include
  • Professional Portfolio Management1
  • Financial Planning2
  • Retirement Planning3
  • Asset Management4
  • 401(k) Rollovers
  • Long Term Care Insurance5
  • Annuities6
  • Estate Planning Strategies7
  • Exchange Traded Funds8
  • Fixed Income9
  • Life Insurance10
  • 529 Plans11
  • Planning for Education Funding12
  • Qualified Plans
  • Trust Accounts13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Working With You

Your goals, hopes and dreams are at the center of our work. That’s why we’ll plan to meet with you at length when you first begin working with us. We’ll ask smart questions and listen to what you say matters. Once we fully understand your situation, we’ll suggest ways to put your money to work.
  • Working with us, you can expect us to:
    Develop a detailed financial strategy based on your goals
    Set up a long-term, balanced wealth plan
    Take the emotion out of money moves, so you can make smart decisions
    Be flexible. When changes come to your life, or in the market, we’ll tweak your financial strategy.
  • Some of our work is best coordinated with your other key advisors. If you like, we can connect directly with your:
    Tax specialist
    Trust attorney
    Insurance professional
    Family office

Location

729 SW Federal Hwy
Suite 300
Stuart, FL 34994
US
Direct:
(772) 223-3217(772) 223-3217
Toll-Free:
(800) 325-0038(800) 325-0038

Meet Espinal, Stern & Whittington

About Me

René graduated from Palm Beach Atlantic University in 1992 with a Bachelor’s Degree in Finance and a minor in Accounting. After receiving his degree, René joined Morgan Stanley (formerly Smith Barney) as a Financial Advisor in 1993. In 2005, he obtained the designation of CERTIFIED FINANCIAL PLANNER™ professional. René is fluent in both English and Spanish. René is a member of the planned giving council for The Place of Hope which is an organization supporting neglected and abused children. He enjoys coaching youth sports, spending time with his family, and being an active member of his local church. He his wife JoEllyn live in Jupiter and a son in high school and a daughter in college.
Securities Agent: TX, FL, WI, WA, VT, VA, UT, TN, SC, PA, OR, OK, OH, NY, NJ, NH, NC, MT, MO, MN, MI, ME, MD, MA, IN, IL, GA, DE, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1282463

About Me

Jim graduated from Stockton University in New Jersey in 1991. After receiving his Bachelor's degree in Finance, he took a position with Harris/3M as a Sales Representative. He joined Morgan Stanley (formerly Smith Barney) in 1993 as a Financial Advisor. In his spare time, Jim enjoys spending time with his family, playing racquetball, and supporting children and organizations engaged in the performing arts. Jim and his wife Valerie live in Palm City and have a daughter in high school and a son in college.
Securities Agent: TX, FL, WI, WA, VT, VA, TN, SC, PA, OR, OK, OH, NY, NJ, NH, NC, MT, MO, MN, MI, ME, MD, MA, IN, IL, GA, DE, CT, CO, CA, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1265273

About Me

Sue graduated from James Madison University in Harrisonburg, Virginia in 1981 with a degree in Communications and minors in Business Administration and Psychology. After careers in business, public information and development, she joined Morgan Stanley (formerly Smith Barney) in 2006, and subsequently earned the designation of CHARTERED RETIREMENT PLANNING COUNSELOR™. Sue is an avid sports fan and enjoys tennis, golf, reading, and being with family. She is involved with Rotary International, several nonprofit organizations and her church. She and her husband Tom live in Palm City and have three grown children and two grandchildren.
Securities Agent: TX, FL, WI, VA, SC, PA, OR, OK, OH, NY, NJ, NH, NC, MT, MO, MN, MI, ME, MD, MA, IN, IL, GA, DE, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1282901

About Me

Jessica received her Bachelor of Science degree in Finance from the University of Central Florida. After receiving her degree, she went to work for The Bank of New York in Lake Mary, Florida, as an options trading associate. In 2009 she and her husband moved to Stuart to be closer to their families; she joined Morgan Stanley in 2010, moving from Merrill Lynch. Jessica enjoys outdoor activities and fitness and spending time with her family. Jessica and her husband David live in Palm City and have two young children.

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
Investing in Artificial Intelligence and Automation

Investing in Artificial Intelligence and Automation

AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

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
From Clueless to Clued In: Teaching Teens About Money

From Clueless to Clued In: Teaching Teens About Money

As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

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
Facing Financial Stress? Your Employer May Be Able to Help

Facing Financial Stress? Your Employer May Be Able to Help

Many of us face money worries. You may be able to get advice and education from an unexpected source.

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
Choosing an Environmental Charity

Choosing an Environmental Charity

There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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Ready to start a conversation? Contact Espinal, Stern & Whittington 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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

2Morgan 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.

3Morgan 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.

4Morgan 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.

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

6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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.

8An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

11Investors 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.

12Morgan 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.

13Morgan 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.

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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