My Story

I began my career at the largest financial firm in Mexico before immigrating to the United States in 2000. I have spent the past 20 years honing my skills to understand and advise clients in budgeting, planning, investing and making smart choices about their finances to last well into the future.

I understand what it is like to be an international client.  I also understand what it is like to succeed at an early age in a new country, where you may not speak the language or know the customs.  I am here to help you understand the system, solve problems and make smart financial decisions.  My job is to help you protect your money, provide for your family and invest for the future so you can keep living the life you dreamed when you began your career.
Services Include
  • Retirement Planning1
  • Sustainable Investing2
  • Trust Accounts3
  • Asset Management4
  • Financial Planning5
  • Lending Products
  • Professional Portfolio Management6
  • Wealth Consulting
  • Wealth Management7
Securities Agent: TX, MN, WI, WA, TN, SD, PA, OR, OK, OH, NY, NJ, NE, MS, ME, MD, MA, LA, IN, IL, IA, GA, FL, CT, CO, CA, AZ, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1285016
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
I am a proud member of Morgan Stanley Global Sports & Entertainment, a division committed to serving the complex financial needs of professional athletes and entertainers.  Our division was created because every sports and entertainment profession is unique, with its own characteristics, earning profile and career span. Our clients need Sports and Entertainment Directors who know their industry and how money flows from their work to their wallet.

Like all of my fellow Sports and Entertainment Directors, I was chosen for my advanced experience working in very specific fields.   One of my specific fields is professional baseball players from Latin America.  I understand the unique financial challenges of major league players and can craft customized financial strategies that are tailored to their needs.  Delivering the powerful resources of Morgan Stanley, one of the world’s leading financial services firms, I work to translate our client’s goals into a financial strategy designed to help grow assets, preserve wealth and ensure a successful financial life and legacy.
    Another of my specific fields is International Wealth Specialist.  As a certified International Client Advisor, I bring my first-hand global perspective to meet the comprehensive financial management needs of non-resident clients.  Financial regulations and laws vary from country to country and often change with the prevailing political winds.  My up-to-date knowledge of these requirements, along with a familiarity of other countries’ cultural norms, allows me to provide the situation-specific advice my clients require.  I collaborate with their tax and legal advisors to coordinate financial strategies, estate planning and other issues unique to them.

    Working With You

    I begin by understanding your life and your priorities.  Then I use my experience and insight along with my knowledge of international financial markets to create a strategy that suits you. My job is to help you navigate the world of budgeting, planning and investing to create the kind of financial foundation that can last far into the future.

    This client-centered approach allows me to serve a diverse clientele that includes many professional athletes, as well as high-net-worth / ultra-high-net-worth national and international clients.  You can depend on me to work closely with your other key advisors - lawyers, agents and accountants - to understand your unique financial picture and make decisions based on your best interests.  Whether you want me to manage every aspect of your financial life or you prefer to be more actively involved, I will always tailor my services to what works for you.

      Location

      8300 Norman Center Dr
      Ste 1150
      Bloomington, MN 55437
      US
      Direct:
      (952) 921-1965(952) 921-1965
      Toll-Free:
      (866) 553-8705(866) 553-8705
      Fax:
      (888) 862-7252(888) 862-7252

      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

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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
      Investing in Artificial Intelligence and Automation

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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
      A Parent's Guide to Talking to Your Kids About Money

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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
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
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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
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      Choosing an Environmental Charity

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      Wealth Management for Athletes and Entertainers

      Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
      • Investment Management
      • Wealth Transfer & Philanthropy
      • Private Banking Solutions
      • Family Governance & Wealth Education
      • Lifestyle Advisory
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      Ready to start a conversation? Contact Jose Marrujo today.
      Market Information Delayed 20 Minutes
      1Morgan 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.

      2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

      3Morgan 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.

      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.

      5Morgan 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.

      6Morgan 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.

      7Morgan 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.

      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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