Are You a Stock or a Bond?

Our favorite book on investing is "Are You a Stock or a Bond?" by Moshe Milevsk, Ph.D.  In the book, Dr. Milevsky asks if you were to plot your income pattern on a chart, would it look more like the behavior of a stock or a bond?  Our clients are stocks.  Their ability to earn income is their greatest asset.  We take a supporting role by showing our clients ways to save, invest, and borrow in order to smooth their income over time.
Services Include
  • Wealth Management1
  • Financial Planning2
  • Annuities3
  • Life Insurance4
  • Long Term Care Insurance5
  • Trust Services*
  • Alternative Investments6
  • 529 Plans7
  • Sustainable Investing8
  • Cash Management9
Securities Agent: TX, FL, WA, VA, TN, SC, PA, NY, NC, MT, MN, MD, GA, DE, DC, CO, CA, AZ, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1285022
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Drivers & Delegators

Our clients are "drivers."  They are take-charge people who excel at work.  They typically own businesses or earn performance-based pay.  Commissions, bonuses, or deferred awards tend to be a major portion of their income.

While our clients are laser-focused at work, they prefer to delegate or outsource complex financial oversight to a competent professional who understands them and their desire to provide for their family.

    The Value of Advice

    The Power of Sustainable Investing

    Client Service Team

    • Jackie Diaz - Senior Client Service Associate
      Jackie is a 25 year veteran within the Financial Services Industry. She joined Morgan Stanley over 15 years ago. As a Senior Client Service Associate, her primary responsibility is to provide the suite of account management services to clients and help ensure they are delivered with the highest quality service. Among her many duties, Jackie works with the attorneys of our clients to coordinate our mutual efforts with estate and trust accounts. Jackie is married and the mother of two children.
      Primary contact for

      New Accounts
      Account Transfers
      529 College Savings Plans
      Trusts & Estate Processing

      Contact Information

      Phone: 407 740-4976
      Email: Jacqueline.Diaz@morganstanley.com
    • Andrea Lutchmidat - Senior Client Service Associate
      Andrea has been with Morgan Stanley for over 15 years. Andrea's experience in financial services allows her to address a broad spectrum of customer service needs for clients. She focuses on client needs especially within IRA's, Annuities and Managed Accounts. Her outstanding skills, communication and attention to detail allow us to provide exceptional service to our clients. Andrea is married with 3 children.
      Primary contact for

      IRA Distributions
      IRA Beneficiary Changes
      Annuity & Insurance Policy Servicing

      Contact Information

      Phone: 407 740-4975
      Email: Andrea.Lutchmidat@morganstanley.com

    Location

    250 So Park Avenue
    Suite 500
    Winter Park, FL 32789
    US
    Direct:
    (407) 740-4984(407) 740-4984
    Toll-Free:
    (800) 829-5105(800) 829-5105
    Fax:
    (407) 740-4983(407) 740-4983

    Investment and Market Perspectives

    Michael Wilson: Monthly Investment Perspectives Webcast

    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
    Planning for Income Needs with Annuities

    Planning for Income Needs with Annuities

    Annuities can help fill a void in your retirement strategy by providing a guaranteed stream of income for retirees.

    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
    Financial Transition: A Guide for Women

    Financial Transition: A Guide for Women

    Here's how to take control of your finances if a death or divorce leaves you holding the reins.

    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
    Five Smart Strategies to Use a Bonus or Raise

    Five Smart Strategies to Use a Bonus or Raise

    Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

    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
    How to Make Philanthropy a Family Affair

    How to Make Philanthropy a Family Affair

    Learn tips on how you can engage in philanthropy as a family.

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    Reserved | Living & Giving

    Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
    Learn more about Reserved | Living & Giving
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    Sign Up for eDelivery

    With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
    Learn more about Sign Up for eDelivery
    Access Morgan Stanley Online

    Access Morgan Stanley Online

    Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
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    Ready to start a conversation? Contact Kevin Barry today.
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    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 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.

    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.

    3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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

    6Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

    7Investors 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.

    8The 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.

    9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

    Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

    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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