As Morgan Stanley Private Wealth Advisors, we combine our own talents and experience with the vast resources of a global financial services firm to address the planning, governance, liability management and investing needs of ultra high net worth families, their businesses and philanthropic enterprises. We take a holistic approach that is grounded in investment strategy, but covers virtually every aspect of your financial life: risk management, liabilities, trusts and estate structures and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.

We look forward to learning more about you and your family, and discussing the resources we can place at your disposal.
  • Comprehensive Wealth Planning
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About PWM

Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
  • Manage investments with an unwavering focus on your financial strategy and personal goals
  • Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
  • Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
  • Approximately 250 teams1  specialized in assisting individuals and families with $20MM+ in investable assets
  • Over $330 billion in AUM2
  • Comprising 26% of the Barron’s Top 100 Financial Advisors list for 20173
  • Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December 31, 2017
2 Morgan Stanley Internal Compensable Revenue Report, December 31, 2017
3 Barron’s Top 100 Financial Advisors, April 2017


Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.

Global Franchise

Morgan Stanley serves a global clientele of individuals, families, corporations, endowments, foundations, governments and others through three core businesses:
  • Morgan Stanley Wealth Management
  • Institutional Securities Group
  • Investment Management
Our strength and synergies across each of these businesses not only contributes to the economic vitality and stability of the firm, but also expands the vast resources, expertise and global insight that we can offer you.
Morgan Stanley Franchise Power
  • $2.4tn in client assets under management1
  • Morgan Stanley reported revenues of $11.9Bn1
  • More than 55,000 global employees1
  • Global footprint includes 1,200 offices in 31 countries on six continents1
  • Tier 1 risk-based capital Ratio under U.S. Basel III was approximately 17.8%1
  • $206Bn in liquidity reserve1
  • Long-term credit rating A3, BBB+ and A, by Moody’s, S&P and Fitch, respectively2
1Unaudited. As of March 31, 2018, Morgan Stanley Quarterly Financial Supplement


1111 Brickell Ave
14th Fl
Miami, FL 33131
(305) 347-2028(305) 347-2028

Meet Gonzalez Montes Arredondo Carrera-Justiz

About Me

Hernan Gonzalez is a Managing Director in Private Wealth Management at Morgan Stanley and has a 29 year career in Finance. Before Morgan Stanley, he worked for 15 years as a Director in Private Banking at Credit Suisse USA, covering Ultra-High Net Worth family groups in Latin America. At CS, he received the Chairman's Club Award for 8 consecutive years. Previously, Hernan worked for 8 years as Vice President in Investment Management
at Goldman Sachs, covering Ultra-High Net Worth families and Institutions. His previous experience includes working as Trader for Manufacturers Hanover Trust and as Credit Analyst at Chase Manhattan Bank in Argentina.
Hernan obtained his MBA in Finance from The Wharton School of Business, University of Pennsylvania, in 1993. In 1989, he graduated with a BSc in Business Administration from Universidad Católica Argentina. Hernan is married and has 5 children.
Securities Agent: TX, FL, TN, SD, SC, PR, PA, OH, NY, MI, MD, MA, GA, DE, DC, CT, CO, CA; General Securities Representative; Investment Advisor Representative

About Me

Francisco Montes is a Managing Director in the Private Wealth Management division at Morgan Stanley and has a 27 year career in Finance. Francisco joined Morgan Stanley after 24 years of experience managing wealth for Ultra-high net worth individuals at Credit Suisse and Goldman Sachs & Co. Similar to Hernan, Francisco also received the Chairman’s Club Award for 8 consecutive years at Credit Suisse. His previous experience includes working as a consultant for McKinsey & Co. in Spain, as a systems Engineer for IBM and as an account officer for Banco Sudameris in Argentina.
Francisco obtained his MBA in Finance from Wharton School of Business, University of Pennsylvania ,in 1992. Previously, he obtained his Accounting Degree (CPA) from Catholic University of Argentina. Francisco is married and has 2 children.
Securities Agent: TX, FL, TN, SD, SC, PR, PA, OH, NY, MI, MD, MA, GA, DE, DC, CT, CO, CA; General Securities Representative; Investment Advisor Representative

About Me

Jose Arredondo is a Senior Vice President at Morgan Stanley and has over 30 years of experience in the financial industry. Before joining Morgan Stanley Private Wealth Management, Jose was a Director for Credit Suisse in the US Covering Ultra-High Net Worth families in the Andean Pact and Caribbean Region. Previously, Jose worked 9 years at Atlantic Security Bank and 9 years at Chase Manhattan Bank. His experience includes wealth management, Corporate Banking, Investment Banking and Treasury.
Jose obtained his MBA in Finance from Wake Forest University. Previously, he graduated as an Industrial Engineer from Universidad Católica de Peru.
Jose is married and has 3 children.
Securities Agent: TX, FL, TN, SD, SC, PR, PA, NY, MI, MD, MA, GA, DE, DC, CT, CO, CA; General Securities Representative; Investment Advisor Representative

About Me

Francisco Carrera-Justiz is a Managing Director in Morgan Stanley Wealth Management focusing on the Latin America and Caribbean Region.  He joined Morgan Stanley in March, 2016 after having served as Director at Credit Suisse Securities USA for 17 years.  Francisco helped develop the Latin America Private Banking business while at Credit Suisse.   Prior to that, Francisco worked with Chase Manhattan Bank for 9 years at the Private Bank in New York, Geneva and Miami.  Francisco is a graduate of the Chase Management Training Program in New York in 1990 and received his Business degree from the AB Freeman School of Business at Tulane University.  Francisco serves as a member of the Board of Directors of Bacardi Ltd., a private held family spirits company.
Securities Agent: FL, TX, TN, SD, SC, PR, PA, OH, NY, MI, MD, MA, GA, DE, DC, CT, CO, CA; General Securities Representative; Investment Advisor Representative

About Me

Anna Sobczyszyn is the analyst of our team. Her responsibilities include but are not limited to trading of Domestic & International securities as well as Bonds & Mutual Fund Trading. In addition to Morgan Stanley?s fund due diligence, Anna analyzes Mutual Funds and frequently meets with fund managers. Furthermore, she prepares client performance reports and materials for client meetings. Prior to joining Morgan Stanley, Anna worked in Santander Private Banking conducting research and analysis within financial institutions and alternative investments teams. Anna holds Series 7 & Series 66 Licenses. She graduated with a Bachelor in Finance from Florida International University in Miami.

About Me

Yeimi Marfil is one of two Client Service Associates for the team. In her position, she manages all the required administrative duties like account openings, wire transfers and security transfers. She has over 8 years of industry experience. Prior to joining Morgan Stanley, she worked at Wunderlich Securities as a Client Service Associate and at Capital Guardian LLC as a Operations Specialist. Yeimi holds a series 7 license and graduated from Miami Dade College in 2013.

About Me

Silvania has been with the team for over 20 years and has over 25 years of experience in the industry. She is an essential bridge between Advisors, Clients and the Client Service Associates. Prior to joining Morgan Stanley, she was an Assistant Vice President at Credit Suisse for 13 years. Between 1996 and 2001, she worked with the team serving Ultra High Net Worth Clients in Latin America at Goldman Sachs. Silvania obtained her associate degree from Nassau Community College in Long Island New York and holds a Series 7 & Series 66 license.

About Me

Alessandra has over 9 years of industry experience. Previous to Morgan Stanley, she worked at Credit Suisse as a Relationship Associate, EFG Capital as an Institutional Sales Assistant and at Macquarie Capital as a Middle Office/Operations associate. Alessandra, along with Yeimi, manages all the wire transfers, security transfers, and account openings for the team. Alessandra holds a Series 7 license and graduated from Florida International University in 2012 obtaining a degree in Finance.
Professional Insights

On The Markets - Spanish

Economic and Market Perspectives

On the Markets

Managing Significant Wealth

  • Investment Management
  • Wealth Transfer & Philanthropy
  • Cash Management & Lending
  • Family Governance & Wealth Education
  • Lifestyle Advisory
  • Business Services
Successfully Staffing Your Home

Successfully Staffing Your Home

By adopting more professional approaches to hiring, training and retaining staff, you can more easily maintain a well-run and harmonious home.

Insights and Outcomes

Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Art as An Asset
CRC 2274738 01/19

Art as An Asset

Art may play a significant role in the context of a collector's overall wealth. Generally, a collector may differentiate financial assets, including stocks, bonds and real estate, from other possessions, such as art.

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We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
Market Information Delayed 20 Minutes
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.

Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.

Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.

See the Financial Advisors Biographies for Registration and Licensing information.

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