Nichole Godwin
Portfolio Associate, Financial Planning Specialist
Phone:
(407) 849-4761(407) 849-4761
John Bihler
Executive Director,
Financial Advisor,
Portfolio Management Director
Direct:
(407) 849-4784(407) 849-4784
My Mission Statement
Providing Custom and Comprehensive Financial Planning to Educated Investors
My Story and Services
Recognition:
Forbes Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
My name is John Bihler, and I am a Financial Advisor with Morgan Stanley. Before joining the firm, I spent 11 years trading in the commodity futures markets in both US and abroad. I created analytical models to identify opportunities in many products along with managing risk. I have held memberships at the Chicago Mercantile Exchange, Chicago Board of Trade and New York Mercantile Exchange while also committing capital on both the Intercontinental and Eurex Exchange. During that time, I rose to the level of Senior Trader while developing and maintaining state of the art network and co-location facilities both here and abroad as Chief Technology Officer of Webster Trading.
I graduated cum laude from Westwood College of Technology with a Bachelor of Science in Information Technology with a Major in Computer Network Management in less than three years. I achieved the rank of Eagle Scout in the Boy Scouts of America and have continued to participate in the program over the last 20 years.
Forbes Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
My name is John Bihler, and I am a Financial Advisor with Morgan Stanley. Before joining the firm, I spent 11 years trading in the commodity futures markets in both US and abroad. I created analytical models to identify opportunities in many products along with managing risk. I have held memberships at the Chicago Mercantile Exchange, Chicago Board of Trade and New York Mercantile Exchange while also committing capital on both the Intercontinental and Eurex Exchange. During that time, I rose to the level of Senior Trader while developing and maintaining state of the art network and co-location facilities both here and abroad as Chief Technology Officer of Webster Trading.
I graduated cum laude from Westwood College of Technology with a Bachelor of Science in Information Technology with a Major in Computer Network Management in less than three years. I achieved the rank of Eagle Scout in the Boy Scouts of America and have continued to participate in the program over the last 20 years.
Securities Agent: NY, LA, TX, AL, NV, MN, KY, CO, NM, NJ, IL, ID, IA, CA, OH, WI, VA, NC, MD, MA, FL, AZ, MI, HI, OR, GA, DC, CT, UT, SC, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1517457
NMLS#: 1517457
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
Our clients are high net worth individuals and families that are committed to growing and preserving their legacy. We primarily work with entrepreneurs, business owners, and corporate executives and have the pleasure of working across multiple generations. We take pride in building long-term, life-enhancing relationships with our clients and maintaining a commitment to exceptional level of professionalism.
Tax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions Here
Tax-Efficient Portfolios
Morgan Stanley Portfolio Solutions/ Parametric Tax Efficient Portfolios are designated for high-net-worth investors seeking a tax-managed, diversified portfolio. Portfolios are monitored, evaluated, and rebalanced to maintain diversification and react to changing market conditions.
Learn More About the Portfolios Here
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Read the Strategies Here
Actively Pursuing Tax Alpha
Opportunities for tax strategies ebb and flow with the fluctuations of the market and not with our fiscal calendars. Incorporating tax-sensitive investing into the daily trading activity of an account can capitalize on market fluctuations and potentially yield better after-tax results.
Read more About Tax Alpha
Taxation of Global Clients
Individuals who are neither U.S. citizens nor residents may be subject to gift and estate tax on U.S. situs assets. This article provides a discussion on how U.S. Income taxes and gift and estate taxes apply to global clients.
Learn More About Taxation of Global Clients Here
2025 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2025, see all additional information here.
View the 2025 Tax Tables HerePersonalized Solutions
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Financial Planning
Life is constantly changing. How do I prepare for a more secure future knowing that certain events - like a divorce or death in the family - can dramatically impact my plans?
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Professional Portfolio Management
I have so many things I want to do with my life. How can one investment strategy balance them all?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I'll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Managing Risk
Life's risks can reveal themselves in many ways - from loss of life to loss of health. How do I protect myself and my family from life's unknowns?
Socially-Responsible Investing
Is there a way to incorporate my personal values into the way I invest without giving up performance?
WELCOME TO OUR LIFE NAVIGATOR
One of our goals is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives—everything from planning for the costs associated with birth, adoption or surrogacy; anticipating unexpected medical expenses; understanding gifting requirements; preparing for child care and planning for educational expenses.
Click Here to Learn More
Business
Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their Financial Advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.
Click Here to Learn More
Post-Career
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Click Here to Learn More
Marriage
There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). As your Financial Advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.
Click Here to Learn More
Financial Literacy
Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.
Click Here to Learn More
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased’s assets will be distributed, and this may not be consistent with the family’s wishes. Proceedings can also be painful and costly for the family. We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Click Here to Learn More
Caregiving
Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
Click Here to Learn More
Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Click Here to Learn MoreLocation
201 E Pine St
11th Fl
Orlando, FL 32801
US
Direct:
(407) 849-4784(407) 849-4784
Fax:
(407) 849-4797(407) 849-4797
Meet My Team
About Nichole Godwin
As a Portfolio Associate, Nichole focuses on building strong client relationships by modernizing the client experience through an elevated standard of care. She handles a broad array of operational and service-related responsibilities but is committed to providing outstanding service to each client through her attention to detail.
She holds a B.S. degree in Management and Organizational Leadership from St. Petersburg College. Nichole began her career in the financial industry in 2013 with Morgan Stanley in Winston Salem, North Carolina. After moving back home to Florida, she has continued her career with Morgan Stanley providing support in both the Winter Park and Orlando, FL office. She holds the Series 7, Series 66 and Series 3 licenses. In addition, Nichole has obtained the internal designation of Financial Planning Specialists through continued professional development.
Nichole is a wife and mother of two who enjoys spending time with family and friends in the sun—especially at the Gulf Coast beaches.
She holds a B.S. degree in Management and Organizational Leadership from St. Petersburg College. Nichole began her career in the financial industry in 2013 with Morgan Stanley in Winston Salem, North Carolina. After moving back home to Florida, she has continued her career with Morgan Stanley providing support in both the Winter Park and Orlando, FL office. She holds the Series 7, Series 66 and Series 3 licenses. In addition, Nichole has obtained the internal designation of Financial Planning Specialists through continued professional development.
Nichole is a wife and mother of two who enjoys spending time with family and friends in the sun—especially at the Gulf Coast beaches.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact John Bihler today.
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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024)
